[sathackr]

I gave One Finance a try but found their rules and inflexibility incompatible.

They don't have a 'joint account' option but claim you can share a pocket with someone else and it works the same.

Except when you have an instrument that you need to deposit/credit and it's made out to two people. They won't credit it to the 'shared' pocket because technically that pocket is owned by you, not both.

Tried to work with them for a solution but all they could offer was that I could deposit/receive it at another bank and then transfer it. When I closed the account they warned me that once closed I could never come back(they don't allow you to become a customer again in the future if you close your relationship with them). Another odd rule. And no auto transfers and no ability to deposit a paper check(at the time)

The benefit wasn't worth the hassle and I moved on.

[joshstrange]

Yeah, I can see how that would be a deal breaker. I don't need a joint account and just want a pretty website/app to hold my money so for me it fit the bill. I appreciate how the One Finance team is active on their subreddit and seem to be pretty good at communicating the roadmap with the community. But I totally get that it didn't work for you.

[anomaloustho]

Curious to hear which bank you’re using now. Especially since I haven’t found a great Simple-like bank that supports joint accounts.

[sathackr]

Wound up going to PNC.

Since they bought Simple I'm hoping the features will trickle to their customers.

What they have now is close enough for now. Similar but there are 3 "pockets" -- two checking and one savings. And they have auto transfer. (One has auto transfer now also)

Bills/utilities/relatively fixed costs come from one pocket, dining/entertainment/variable costs from the other.

Excess is moved manually every couple months to savings.