Precisely. Also concerned that the underlying banks could be jerks and change terms etc to make their model not work or cause problems. I'm not against trying

Precisely. Also concerned that the underlying banks could be jerks and change terms etc to make their model not work or cause problems. I'm not against trying it, just concerned about how well it will play out. I haven't been looking forward to switching banks before. So far every time I have switched banks it has been to get a local branch to deposit checks. I'm really hoping BankSimple is the last bank I'll ever need but I'll need to see how it works in practice.