Simple's home page is the app's most useful feature.
The app keeps track of deposits, spending, and transfers right on your phone. And you get a notification for each new transaction. It's a great way to keep an eye on your spending — and to watch out for theft.
You can also use the app to manage your card.
This page lets you temporarily or permanently block a card the moment you think it might be missing. You can also change your PIN.
Even though Simple doesn't have any physical locations, it's easy to get your hands on your cash.
The app keeps track of no-fee ATMs where you can withdraw money. I've had no trouble finding one in Chicago, New York City, Cleveland, or even the sparse Poconos mountains of Pennsylvania.
Another great feature of Simple is how it helps you save.
First, you create a "goal" on the second page of the app.
Simple then handles the saving for you.
The app shifts enough money out of your "Safe-To-Spend" amount listed at the top of your screen every day to meet the goal. You can keep track of your goals on this handy, attractive page and mark existing transactions as being toward that goal.
The cash is still in your checking account — you can spend it in an emergency — but the app helps you be responsible enough not to. Of course for longer term saving, you'll want a true savings account.