Simple has earned such goodwill with me for their amazing customer service, zero fees (even for overdrafts), and overall customer experience that I'm happy to g

Simple has earned such goodwill with me for their amazing customer service, zero fees (even for overdrafts), and overall customer experience that I'm happy to give them a pass on this. The fact that they're being proactive about their status updates, and transparently honest, helps a lot, too. A relationship with a bank is a lot like a relationship with a doctor: bedside manner is sometimes the most important element to patient (customer) satisfaction - sometimes even surpassing outcomes, as long as it's not too serious.