Same here. I have a simple account with the $100 opening deposit in it. It's a beautiful UI, but changing banks is an awful pain in the butt and I'm pretty happ

Same here. I have a simple account with the $100 opening deposit in it. It's a beautiful UI, but changing banks is an awful pain in the butt and I'm pretty happy, in general, with Bank of America. My wife and I have our personal and joint accounts there. I hardly ever use my debit card (nobody should! Debit cards are, in general, awful. Credit cards give you actual protection and far more perks). What I care about in my bank is that I can easily connect everything with my wife, that I can easily do bill pay, and that I have full-service ATMs and iPhone apps that include deposit features. But if I was 20 again and had far simpler banking needs, I think I'd use Simple. Oh, another thing is, when it comes time for a mortgage or other installment loan, it's sometimes beneficial to have my money at the same institution. If we decided to dump BofA I can see us moving to a credit union (Alliant is great, for example), but as Simple isn't a full-service bank I'd have to pass on it.