I've also been very happy with Simple. When I was transitioning my account over to them, I bounced a payment because I did not realize that using billpay meant

I've also been very happy with Simple. When I was transitioning my account over to them, I bounced a payment because I did not realize that using billpay meant your funds were withdrawn immediately, and I'd assumed that my funds being transferred over would cover the charge by the time the check was cashed. Even though it was a large payment, Simple covered the deficit and someone from customer service contacted me right away to explain they'd claw back the funds when they were available. So far, it's been great using them as a basic checking account bank.