I was a super early adopter and couldn't agree more. I was also pretty young at the time and really only had that one checking account as a source of money, and their failures at being a bank really screwed me over. I can remember being in line trying to pay for $200 worth of groceries and getting declined (despite having well over that available in my checking account). The reason was eventually cited to me as a "technical glitch" after I had to call their after-hours "emergency line" and wait for a callback standing next to my groceries for a half hour.

The mobile experience was really great though, and I like that they automatically accounted for things like tips in your available balance to give a clearer picture of available funds.

> pretty bad at being a bank

I can echo this sentiment. My issues revolved around them reporting an incorrect balance to me on several occasions. Support could tell me the correct balance, but I mean come on, my balance is the one feature they need to get right.

Still a customer though, and things have been better lately.

As a customer of simple I cannot agree with this statement more. This is disheartening news for me.

I've tried for the past few years to use them as my primary bank but it's actually unusable in that regard. Lately I've been asking myself what they're actually good at and it seems like the answer is mostly for providing prompt customer support to work around the issues that they're imposing on me in the first place by not being a real bank. I'm now slowly trying to transition away from them to something like Ally which seems to at least have some visible benefits.