Simple - Mobile Banking

Been using for almost a year and can’t see how I did without it. Was using a traditional bank for almost 20 years and it really was hard to switch. This was recommended by our financial planner and has been a lifesaver. The budgeting tool definitely took a little getting used to but is what has helped us so much. I’m a big believer of set it and forget it and simple makes this so easy. I’ve even been able to set up a couple of small savings accounts for travel and Christmas. The only two issues I have is the lack of a brick and mortar store and an inconsistent amount of money coming out for budget. I still get paid sometimes in cash and trying to go through the process of depositing cash can be a real hassle. The external transfer tool would not recognize our regions account and the only help we get from simple is try again later. We did and it still doesn’t work. The second issue is I get paid every two weeks and the variance of what comes out for my budget can be as high as $400 each two weeks. I wish the budgeting tool could try and keep that consistent. Other than that I really love simple.

I have been using Simple for about three years now. I haven’t had any major issues during that time. I once woke up to find I had some fraudulent charges on my account , I blocked my card and sent a message and and got a response super quick, that asked if I had access to funds until my new card came and had me call when I was at an atm so they could briefly unblock my card long enough for me to withdraw cash. This was a weekend so it took until Monday to get my new card. I love that when I sent a message I can attach the transactions in question to speed up the response, within 4 hours they had returned the money to my account, I have never had such a fast resolution to these kinds of issues with any other bank. Simple has also added features that are super helpful, the new budgeting feature works much better than the goals for regular bills. It automatically sets money aside for my bills (insurance, rent, phone etc.) and when those come due it spends from those budgeting categories. I always know how much money I have available to spend but rarely look at my full account balance but I always know that the important things are already covered without me having to think about it. I love Simple and I tell people about it all the time. A lot of people have a hard time giving up a traditional bank, but they don’t know what they’re missing.

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Ive had simple for almost 2 yrs now and loved it. The alerts when you spend, photo deposits, and the app were all great...until I moved. I relocated and was staying in corporate paid hotel for about a week and called to alert simple of an unauthorized hold for literally $1. They immediately cut off my card without even contacting me back. They then refused to send my card to the new address and the rep said there should be someone at my old address that could give me the card. When I explained I live alone with two children and there wasnt I received a series of emails on how Simple shouldn't be my only bank and the hotel should be able to give me something saying Im staying there even if they are paying for it. A week later and after sending in multiple photos, documents, messaged and calls I still cant get a new card because the photo of me in front of my new address isn't clear enough...I have an iphone 7. I even sent in an email to show where I was having service connected at the new apt Im moving to in my name. Still not enough. Simple has some great features, just know if you ever loose your card and happen to be out of town or recently relocated just know you may be treated like you’re trying to steal your own money. You'll have to wait for emails to be responded and the approval is at the whim of whoever happens to get the email.

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Oh man I had high hopes but not high expectations. I read the reviews (many negative ones) but really liked what they were offering, and still do. So I thought I’d give them a try with the mind set that there might be bumps in the road but with patience and good communication most problems can be fixed. Well, that’s usually the case but both parties have to have the mindset to have things workout. The issue I experienced was my external account was permanently stuck on “verifying”. I went through the process of providing the required documents, twice infact, but to no avail. They even admitted it was an issue on their end, which is fine because I expected some issues. The problem is that they aren't really a bank. More like a third party administrator. So the customer service is slow, and a wide variety of knowledge between the employees. Haveing to reexplain your situation is tiresome, it became abundantly clear that the power they had was extremely limited. One of the people that was "trying" to help said she isn't even using simple for her personal use. Anyway, I really tried to make it work for 3 months I just kept getting "our team is working on it". Any the only communication was what I would initiate went checking in. I hope they get it together, their features sound nice, but it'll never work if they don't have more control on the banking end.

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Customers service is some of the worst I have seen. If you get someone who doesn’t know what to do or what they are doing, then you are stuck with that person. They cannot transfer you to a manager or anyone else for that matter. I have called them three time since opening the account and two of those times the person didn’t know what to do and just started making stuff up. Sentence that started with “I think it might be something” or “It’s probably something in the app” or “Maybe our system is missing up” or “I think we are having problems with the” are the normal stuff I have gotten. It is obviously an outside call center that hires anyone. There is no actual banking employees to talk to. These people don’t know anything about banking. There are other options for banks just like this. Pick one of those. Charles Schwab bank is great. All ATMs in the world are free. My friend uses one called Chime bank that is a better version of the this online bank. Think about a different bank. Plus they hold checks for over two weeks. And transfers from my other bank for three. They said they think it’s a federal thing when I asked them why my money is not in the account. Worst customer service. P.S. NEVER WRITE YOUR ACCOUNT NUMBER ON YOUR CHECK! That is a good way to have your account stolen. My other bank tells me not to do this. LOL