Simple allows you to save for vacations/bills with their AMAZING Goals feature. They highlight the money that is safe to spend after all the bills owing you have entered. You will never miss a rent payment with this app. It helps you ensure the money is always in your account AND helps you not spend it before he first! What other bank can do that??
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At first, they didn't have co-op accounts. My wife tried to apply on her own and was denied. Later, they rolled out the shared plans, but we encountered the same issue. I can't recommend them at this time - especially when there are other online options that accomplish the same tasks and fill the same niche with less hassle.
That being said, if you're a single person, this account is great or managing things and helping to save. But, their tools aren't unique anymore. Shop around.