Huh. I had exactly the opposite experience, simple was mostly fine when I used it but the web experience of chase these days is also fine. A clear, simple UI fo

Huh. I had exactly the opposite experience, simple was mostly fine when I used it but the web experience of chase these days is also fine. A clear, simple UI for seeing statements and setting up credit card auto-pay, deposit checks in the app. Plus, having branches if you absolutely need to use them is nice, and finding atms in most us cities for a big bank is much more straightforward than finding the partner atm brands that work with simple, or whatever you have to do there. When simple goes wrong though, the leaky abstraction of being a thin wrapper around another bank makes it much more painful. I forget the details now, but some fairly straightforward things broke for me a couple of times. And as friendly as their support might be, they were completely useless for fixing the problem because it was due to the underlying bank they built on top of. Canceling my account was also somewhat opaque. So I can’t really relate to this article or most of these comments at all. The underlying money transfer infrastructure in the US (between banks and merchants or banks and other banks) on the other hand really needs an upgrade from the arcane ACH system, that’s the last thing that sucks about consumer banking as far as I can see.