[xeromal]

You can see that people are pretty split about Simple being a good idea. I can tell you that the one thing they offer me over any other online bank is their budgeting tools.

I'll specify a certain amount like 500 or 1000 dollars to be set aside by any date. It will move over small amounts daily without you noticing. In reality, the money is all in the same account but mentally I do way better with this scheme. I've built an emergency, a car repair fund, saved for AC for my home, and more without seeing a huge loss in my daily balance. It helped me learn to budget and save and that's the value they provide.

If you already are an amazing budgeter, no need to sign up.