Interesting - yeah the big differentiater seems to be that with Bee you can get instant access to your check for 1%. Simple has ATMs you can use for free which

Interesting - yeah the big differentiater seems to be that with Bee you can get instant access to your check for 1%. Simple has ATMs you can use for free which are pretty common which covers that and also has no overdraft fees (or concept of overdraft really). Simple has no monthly fee though which is a point in its favor - it also lets you do most of the same thing (lock cards, mail a check etc.).