One of the big things I'm going to miss is: No overdraft fees. Simple is one of the only banks that doesn't do overdrafts. If you try to use your debit card a

One of the big things I'm going to miss is: No overdraft fees. Simple is one of the only banks that doesn't do overdrafts. If you try to use your debit card and have no money, it fails. If you try to send a payment, or a autopay tries to withdraw, and you don't have the money, it fails. Looking at replacement options, I've kind of honed in on Alliant Credit Union and PNC. PNC was close in the running because of their "virtual wallet" tools years ago when I was last looking, but they really have no presence in my area. Alliant has a $25 overdraft fee, limited to once a day (IIRC, been looking at a lot of options). PNC has ~$38 fee, limited to 4 times a day. Now, I don't overdraft often, can't remember the last time. But when I'm moving to a new bank and trying to get everything set up, chances are high and I know getting $150 in overdraft fees is going to piss me right off. And they do offer some protections like free pulling from a backup account or one of their credit cards if you have it before doing a full overdraft. But almost $40 for an overdraft makes me question the personality of this bank.