Product Information
What is Simple?
Simple was one of the first mobile banking apps to offer budgeting and savings for customers since 2012.
Budgeting and saving come with no hidden bank fees, and both offer competitive interest rates in protected Goal Accounts. Every aspect of the Simple checking account is optimized for branchless online banking, budgeting, and saving, so you can track spending and manage your money wherever you happen to be. Simple makes personal finance easy.
Without needing a branch (or a bank crammed into an ill-fitting mobile app), you get access to:
- Built-in budgeting and savings tools
- Visa® debit card
- Photo check deposit
- FDIC insurance up to legal limits
- Direct deposit
- External account linking
- Instant transfers to other Simple customers
- Third-party payment services like Square, Venmo, and PayPal
- Online card blocking if lost or stolen
**Simple Goals**
Use Goals to save money: set aside funds for emergencies or automatically save for things you want—from a trip to Italy to a new bike. Open a separate, protected Goal Account to keep money out of spending reach while earning competitive interest.
**Simple Expenses**
Set up your expenses once and move forward—we’ll handle the rest. When you pay rent, your Expenses feature has already saved for next month’s bill. Yes, we do that. (With a Shared Account, you can even split expenses with a partner.)
**Safe-to-Spend**
Spend spontaneously without derailing your budget or bills (or doing math on the spot…). We take your account balance, subtract your Expenses and Goals, and show exactly how much you have left to spend. (Buy those shoes!)
And there’s more…
How to use Simple?
Simple is a mobile banking app that has helped users budget and save since 2012, offering branch-free online banking to simplify personal finance management.
Core Functions of Simple
Online Banking
Mobile check deposit
Zero-Based Budgeting
Usage Scenarios of Simple
- Budget and save to avoid hidden bank fees
- Track expenses and manage funds anytime, anywhere
- Automatically save for goals like travel or new purchases
- Set fixed expenses to automatically save for next month's bills
- Spend freely without affecting budget or bills
- Report lost or stolen bank cards online
Common Questions about Simple
What does Simple do?
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