I should have left the time when they conducted a massive upgrade a couple of years back that left thousands (including me) without access to their account for weeks. I didn't even know what my balance was because the system crashed and couldn't tally it accurately. It was a complete nightmare.
I should have fled then but I was foolish.
Simple is full of glitches and incompetent customer service reps. They have an ongoing habit of freezing your account without notice or just cause. For instance, I told them I'd be traveling internationally and to put an alert on my account. Instead they completely shut down my account (not kidding) while I was abroad.
Their justification was that they can't support international customers! As if me traveling for a few months somehow negates my US citizenship and residence. In addition to being abroad with my primary source of cash unaccessible, I spent days having to clean up the mess it caused with automated bills and other charges that couldn't get through.
This is just one of at least a half dozen times when my account was inaccessible of course at the most inopportune times.
I had such high hopes for this bank but they are an absolute mess. I was a ongst the first to sign up when they launched and have been through so much drama since.
Don't let the cute white card or pretty web interface fool you like it fooled me. They have no business being in the banking industry. All will seem rosy until the day you need your money and can't access it.