Although Simple is a tech company and doesn't actually handle your money, they're great and you'd never know BBVA was involved if they didn't tell you! Safe to spend is awesome, their goals are amazing. I personally use Goals for short-term goals whereas some people may prefer to save long-term. People are more than 10 times more likely to post a negative review than a positive one so this review goes out there as an honest one! Please give this bank a try if you've been on the fence. I am a Chase Private Client and they're supposed to provide "concierge" banking, but that doesn't come close to what Simple offers. Genuine human goodness, just like they advertise!
There is some sort of trust/psychological safety you'll have to establish since everything is handled online and over the phone app. It's worth it. They give you all the tools to succeed and their support website is phenomenal!