Checks?!

We do business in several countries, and the US is the most backward - by far - for banking services. It's laughable that using a bit of posted paper (even if conveniently generated and sent by your bank) is even an option, let alone the recommended one.

I used Simple until someone cloned my debit card the day before I moved to California. Getting Simple to send a replacement card to my temporary address was virtually impossible. They make you submit two forms of proof you have a new address, there were like 7 options, and I couldn't provide any of them (bank statement, driver's license, utility bill, voter registration, etc.)

I opened a new account at a bank with a physical branch and walked out with a debit card. I don't plan on using an online bank ever again.

But do you want it to be easy for people to claim your account has a new address without having to jump through hoops?

We need better systems for IRL hand-shaking.

You should have set up post office address forwarding and had your replacement card sent to your original address so it could have been forwarded.

Post office forwarding was unavailable for address at which I had been living. That is common if you've been living at a boarding house.

You know what you need to set up address forwarding? A charge to a debit card with the same billing address. Catch 22.

At the risk of sounding nitpicky, this isn't the only way. You can go into a post office and grab a yellow "change of address" card. Fill it out, sign it, and drop it in the letter box. Forwarding usually kicks in two business days later.

Any other payment method would also work.

Actually:

"In order to prevent fraud, we require a card with the billing address of either your old, or your new address."