[cbailey]

I was really impressed with the concept back in January when I tried to get a beta account. Being a 20-something and born into the tech generation, I would be comfortable with a bank that didn't have a brick and mortar presence and used the strategies that BankSimple uses (will use) to get great rates, etc. I can see how older generations would be very wary of truly online bank. I know people who were baffled when I told them I would be switching to ING or another online only bank.

[chris11]

I really can't image using a brick and mortar store. I've used USAA all of my life, so I don't see any need to talk to a banker face to face. My father has bought several houses through them, and he has been able to do everything over the phone and at home. Any documents that need to be signed are 1-day fedexed. And local notaries are paid to come by and notarize docucments. So online banking is really convenient.