[tjohns]

As I understand it, Bancorp is just contracted by Simple to hold the funds and interface with the banking system. All of the policies, support and user-facing parts are handled by Simple itself.

Ally, on the other hand, literally is GMAC.

[trevorg75]

Actually it's the other way around. Simple is the public facing interface that is beholden to all of the policies and inconveniences of Bancorp. Don't get me wrong I love the service but full disclosure it's Bancorp with makeup. Now I have had instances where they where Bancorp was closed for a holiday and my direct deposit didn't get processed and I had bills that were going to hit that I needed access to my funds and they were very helpful and happy to do a temporary credit to my account to make sure that I got what I needed.