I was burned by Simple (online checking account company), which had similar promises. Turns out, they had terrible QA, couldn't get their shit together, and I h

I was burned by Simple (online checking account company), which had similar promises. Turns out, they had terrible QA, couldn't get their shit together, and I had frequent errors in my account. Payments not going out, payments going out twice, card stopped working when I tried to withdraw cash and they couldn't tell me why, deposits lost in limbo for days -- even customer service couldn't tell me what my account balance was at several points. Many other banking errors on top of that. I take "online banking disruption" with a huge grain of salt now. I'm fine taking some risk with investments, or business, or what I actually spend my money on, but the sort of day-to-day banking and payment systems aren't something I really like gambling with. I want to know that my paycheck will be in my account on or before the 1st each month. I want to know that -- if I need to -- I can pay my mortgage 5 days before it's due, and I'll be fine. There's too much uncertainty in the world already to add uncertainty on to THAT with your checking and credit card accounts. If you don't use the card exclusively, and you use it for low-risk things, it may not be a big deal. But I certainly wouldn't be comfortable relying on it.