Simple - Better Banking 4+

I read alot of the comments and I don't really write reviews about apps but after reading the comments I felt I needed to write one, for the next set of bankers looking at a online banking account. I love Simple I have had little to no trouble with the customer service team, the bank experience and the app itself. Simple is one of my most go to bank. I get some of my paycheck deposit into the account and it works just like and somethings better than your regular bank. I do think Simple bank is probably the best online banking out there. If I have a problem I just send a message through the app to the customer service team and they would get back to me within 24hours. 99% of the time they will solve the Issue and I am happy. I never had any troubles using the bank card anywhere or using it with my Apple Pay. Of course with online banking you give up the freedom to just deposit cold hard cash into the account but once your pass that, Simple is easily the best. Plus the saving tools are a great use.

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.

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