Simple currently offers single-user accounts with an elegant web interface and app. Their customer service is top-notch. They respond to messages promptly and if you ever need to call an actual person answers the phone! Their best feature is "Goals," essentially a system to set aside money from your balance automatically for planned purchases. You see a "Safe-to-Spend" amount when you open the app so you know what's available that hasn't been otherwise allocated. For me, this has allowed me to actually save money for the first time in my life. Having a $10k checking account balance before Simple would have been unthinkable, now I carry that regularly and am building my savings on a regular basis. I've been able to make new computer purchases, take several vacations, and set aside emergency funds all due to this automatic saving.