Knew it was only a matter of time, and told their support on multiple occasions they had so much potential but there were simply to many fundamental issues they

Knew it was only a matter of time, and told their support on multiple occasions they had so much potential but there were simply to many fundamental issues they weren't addressing to get mass market appeal and be sustainable. I was one of the first customers, (early beta), and was absolutely thrilled to try it out back in 2011. It had a lot of shortcomings, but was hopefully it would iterate quickly, and was a beautiful modern interface compared to the horrible experience at the big banks (Which are still awful in comparison but a million times better now). There were so initial deal breaker issues, notably no support for written checks, no option to deposit checks in person (only mail), and very low mobile upload limits, slow transfers (no next day transfers for a fee like others offered), no joint checking, no business accounts, and countless other issues. The lack of checks and joint checking were major issues that while I dealt with, were things that prevented any non beta/technical friends and family from ever considering it. I'm someone who certainly very rarely writes checks so I was an ideal customer, alas when I did need to write checks... it was because I had to. Maybe you need to write a check for a service provided on the spot, buying a house at closing, among other scenarios. And for the the average person there are countless more use cases. Simple's approach was to avoid fees, and if they allow checks (other than mailed certified checks) then people could overdraft and thus need ability to charge fees, and the safe to use amount would be off. While I get that, if I over draft, I'm fine paying for it, and I understand if I write a check the safe to use would be less. Instead of dealing with those issues they just ignored them. There were times when needing to transfer money next day, and was not an option. Once again, when that need arrises it's because it's needed and thus completely fine paying for it accordingly. Support was amazing back in 2011 and 2012, but as they grew support become much worse since that level of support is hard to scale. Once again I was an ideal user in most ways, ad I HATED having to go to branches, and would much rather mobile deposit all checks and rarely ever used cash, but because of the very low deposit limits had to often mail in checks instead which was no good. If you don't have branches you have to have high mobile limits. Luckily other banks did offer such high limits. I spent so many years providing long emails with all the issues in detail as I wanted to see it grow and improve, and while over the years some of the issues were resolved, other deal breakers remained and then they got new ownership and still no big changes, so new it was only a matter of time until it would shut down.