Simple has 3 specific offerings that make it the best consumer banking solution in the US.
1. Simple's financial incentives are in line with their customers. Simple makes money on interest and interchange. No fee revenue. While not the "sexiest" detail, this makes them fundamentally different from every other retail banking experience.
2. Simple is a technology company. Their web and mobile offerings are in a different class then any other bank. Design and UX are huge priorities.
3. Customer service. Contact Simple. Seriously, do it. (888) 248-0632 or @simplify on Twitter. Real people who really care. I know it's hard to believe, but try it for yourself.
Looks like the simple team actually had gone through the pains that normal people experience with traditional banking solutuions. Simple gives full controll over your money.
I've been a member for close to a year now. It's been really an enjoyable experience. The customer service is superbly friendly. They make you feel very welcome. The bank is an online/app only bank. No local branches. But that really just adds to the beauty of simple bank. It really is simple. It's a pleasure to use them as my main bank. I would not suggest using them as one's sole bank, definitely have a local secondary, but with that said--it makes an awesome primary.