Simple Online Checking

So, I’ve been using Simple Online Checking for a bit, and I gotta say, it’s a pretty straightforward setup. The app doesn’t bombard you with unnecessary features, which is refreshing. What you’re getting is pure functionality without the fluff. It’s like that friend who doesn’t overcomplicate things — just tells it to you straight. You can check your balance, track spending, and move money around without jumping through hoops. It’s all laid out in a way that just makes sense, which is more than I can say for some other banks that overdo it with the bells and whistles.

One thing I really dig about Simple is how the budgeting tools are integrated. You can set goals for your savings, and it will automatically allocate funds towards them. It’s like having a personal finance coach in your pocket, minus the annoying pep talks. But here’s the kicker: if you’re someone who needs more control over every single penny, you might find it a bit restrictive. Simple assumes you’re cool with it doing some of the thinking for you, which might not sit well if you’re a total control freak about your money.

The ATM access is pretty solid, too. You’ve got access to a large network without those pesky fees that seem to follow you everywhere. But don’t expect miracles — if you’re in a remote area, you might still find yourself hunting for a machine. It’s not perfect, but it’s also not the worst I’ve seen. Just make sure to check the map before you head out, so you’re not caught off guard when you actually need cash.

Customer service is another area where Simple holds its own. When you reach out, you’re talking to someone who sounds like a real human, not a robot with a script. That’s a big deal. They’re pretty quick to resolve issues, which I’ve always appreciated. However, you might sometimes find yourself waiting a bit longer during peak times. It's not ideal, but at least you’re not stuck in an endless loop of "Press 1 for this and 2 for that." It’s the little things, right?

Overall, Simple Online Checking does what it says on the tin. It’s not trying to be everything for everyone, which is probably its biggest strength and weakness. If you’re looking for a basic, no-nonsense checking account that helps you keep your spending in check, then it’s worth a shot. But if you’re chasing after a full-service banking experience with all the bells and whistles, you might want to keep looking. Simple’s all about keeping it real, which is something I can definitely get behind.