Pros

No monthly maintenance fees or minimum balances
Over 40,000 domestic ATMs available
No overdraft fees

Cons

No way to deposit cash directly
Simple's bill-pay feature can't process some payments, including taxes
No savings account or CDs

Overall

4.0

Simple is a free, all-digital checking account designed to be used mostly on your smartphone. It comes with a Visa debit card and a handful of first-rate mobile banking tools.

Ratings methodology | Updated October 23, 2017

Checking

4.5

Simple offers a free, branchless checking account with mobile budgeting tools — but no way to deposit cash directly. The mobile app keeps a running tally of how much money is "safe to spend" after accounting for scheduled bills, savings and transfers. It's a good bet for those who want to avoid fees and overdrafts and want to bank primarily over an app.

Fee-Free Checking Account
$0
Monthly fee
None
Balance to waive monthly fee
Learn moreat Simple
NerdWallet reviews are the result of independent research by our editorial team while accountholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.
Overall
Customer service
Poor
Website / app
Fair
Rates
Good
Fees
Low
Garbage, just garbage
Tried and tried and tried and tried. Couldn't link accounts to transfer funds, then it wouldn't accept the code it was texting me. Tried over an hour and their website would not do a fucking thing for me. Yeah, that inspires confidence in your online banking...
Overall
Customer service
Excellent
Website / app
Excellent
Rates
Excellent
Fees
Low
Not perfect but close enough
I have been using simple for a few years now and their customer support and mobile app is beyond great. The system isn't perfect as depositing cash is a huge hassle but if you can get past that, everything else works and feels like a charm. No bullshit, simple banking. Just like it should be.
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