After 3 months, my favorite new money app has completely replaced my bank

Some are better, some are worse. Some advertise with talking babies. More and more of them are developing strong online services - and there are external apps like Mint that can help you manage your money. But mostly, banking is still a terrible experience dominated by bad apps, bad fees, and bad customer service.

When my already-difficult-to-work-with local bank got gobbled up by an even-more-difficult-to-work-with bigger bank in the fall, I decided to make a major switch. I'd seen ads for "Simple," an app-only bank that promises high quality customer care that old-school physical banks can't offer. They store your cash with The Bancorp Bank, an FDIC-insured account, and never charge overdrafts or other fees.

I moved a small amount of money in to see how I'd like it. After three months, I've made it my primary checking account. Here's why.