Moving physical addresses was a total shitshow. It involved them snail-mailing two verification codes. One to the current address and one to the new address. And you had to be able to collect them both and get them entered within a certain time frame. (Really inconvenient when moving from Texas to NYC).

And then got a new banking partner and had to basically re-enroll everyone again with a time component. There was a web form that crashed immediately when I entered my information because they couldn't verify my address. I filed a ticket immediately, which they didn't follow up on. When I followed up on it, they said it was a known issue and they were working on it. No worries, I'll get an extension.

Eventually after me calling several times to ask about it, they just said that there were issues with some of their oldest accounts that just couldn't be resolved. So I could Re-enroll from scratch on their website. Which I did. And immediately got flagged as fraud because I already existed as a customer.

Eventually, they told me I would just have to find a different bank, and they were closing my account in 7 days, and they were going to keep any money left in the account at that point.

I was pretty livid.

And the goal system was theoretically really cool. I liked it a lot. But it never really worked correctly because the goal tag wouldn't stick from the Auth to the Settlement. So anything you had flagged when you made a purchase you had to re-flag when the purchase was no longer pending. It was a great idea but somehow they never figured out quite how to relate the Auths to the Settlements in their user database. Which is pretty scary.

Anyway, long story short, up until a couple years ago, I would've completely agreed about Simple being a good option. But I can't warn people away fast enough after all of the garbage I've had with them.

Surprisingly I grinned and bared it until I decided the world wasn't ready for life without checks, unfortunately.

Your world. The US. There are plenty of countries where checks were phased out many decades ago. :-)

They just created a new goals system that "locks" off your money more than original goals. It seems like a good system, I need more experience to really say.

I still love Simple. But they made it readily apparent that I need to have funds in multiple banks to stay financially safe.

Is that even legal? If so it sounds like an extraordinary loophole.

Also if I come into a decent size amount of a cash payment, I can't walk into a bank to deposit it. Mailing in straight up cash seems super weird to me.

$1.95 per $1000 is pretty reasonable as far as fees go. If you want to deposit cash, you just get a money order for the amount, make it out to yourself, and use their photo check deposit. Funds available next business day.

If you need to pay someone, you buy a PMO with your debit card.

It's kind of an annoying requirement, but it beats the hell out of dealing with the banks in my area.

Just let them mail it... Simple!