After 3 months, my favorite new money app has completely replaced my bank
Simple's home page is the app's most useful feature.
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.
You tell Simple how much you need.
Then you tell it when you need it by.
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.
Simple makes it easy to move your money around.
You can mail checks without carrying around a checkbook...
...Set up automatic bill payments...
...And if your friends are Simple customers, you can instantly send them money without Venmo's delays.
Simple also has far and away the best customer service of any bank I've ever used.
Customer service replies very quickly and personally to every message you send, and seems to work hard to solve problems.
I've gotten replies and answers at night and on weekends, and been able to get on the phone with a helpful human being without extended wait times.
And of course, the whole app is protected by an unlock code.
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