I signed up for a Simple account when my turn on their wait list came up, but I quickly realized that there were too many limitations for me. The app and interf

I signed up for a Simple account when my turn on their wait list came up, but I quickly realized that there were too many limitations for me. The app and interfaces are nice, but some of the things you mentioned were ultimately deal-breakers. I have to deal with checks over 3k more than once a year and also have the occasional cash transaction of over $2,000. And that goes both ways, where I need to withdraw over $1,000 cash on occasion. At the time, they also didn't allow for joint accounts. I don't know if that has changed yet. I ultimately switched over to PNC because they have good branch and ATM coverage in my area and although their mobile app and web interface cannot touch Simple, they were substantially better than my previous bank's offerings. Someone told me that Charles Schwab checking accounts, although also virtual, reimburse all ATM fees. According to this person, that includes ridiculous fees like $20 at "gentleman's clubs".