Interesting, I never noticed buckets were a savings only feature. I've got a checking and a savings account there. To spend money I transfer to checking. There are federal transfer limits on savings accounts though, which could get in the way for some people.

Simple was savings only until pretty recently too so I’m not sure it’d be a deal breaker for most.

That's incorrect. Simple was checking only until recently. (been a simple customer for about 7 years)