Simple has an answer for this in the FAQ. Note that Simple doesn't charge anything themselves for out-of-network ATMs, whereas GoBank charges $2.50 for withdraw

Simple has an answer for this in the FAQ. Note that Simple doesn't charge anything themselves for out-of-network ATMs, whereas GoBank charges $2.50 for withdrawals. Does Simple rebate ATM fees? If you use a domestic out-of-network ATM, we will never charge you, but the ATM owner may. We do not rebate that fee, for a couple of reasons: firstly, with over 50,000 fee-free ATMs in our network and thousands of merchants offering cash back, you should be able to easily avoid fees. Our second reason is more philosophical: we anticipate that our customers would prefer we not subsidize the big banks that they left behind.