Simple is one of the first mobile banking and budgeting apps in the US and loved by customers since 2012.

No hidden bank fees, and the ability to earn up to 2.15% Annual Percentage Yield when you also open a Protected Goals Account.

Every aspect of a Simple checking account is optimized for branchless online banking, budgeting, and saving, so you can track spending and manage your money wherever you happen to be. Simple is personal finance at its best.

Without setting foot in a bank (or a bank stuffed into an ill-fitting mobile app), you have access to:
• Built-in budgeting and saving tools
• Visa® Debit Card
• Photo Check Deposit
• FDIC-Insurance up to the legal limit
• Direct Deposit
• External Account Linking
• Instant Transfers to Other Simple Customers
• Third-Party Payment services like Square, Venmo, and Paypal
• Block your card online if it’s been lost or stolen

Simple Goals
Use Goals for saving money: Stash away money for the unexpected, or automate saving for things you want. From a trip to Italy to a new bike. Open a separate Protected Goals Account to keep money tucked away from spending while earning up to 2.15% APY.

Simple Expenses
Set up your Expenses one time and going forward, we’ll do the rest. When you pay your rent, your Expense is already saving money for next month’s bill. Yep, it’s our job now. (You can even split Expenses with a partner when using a Shared Account).

Safe-to-Spend®
Spend money spontaneously, without derailing your budget or bills (or doing the math on the spot...). We take your account balance, subtract your Expenses and Goals, and tell you exactly how much money you have left over to spend on whatever you want. (Buy the shoes!)

Shared Accounts
Earn interest with whoever you’re interested in: Let your money earn up to 35x (1) the national average with a Shared Protected Goals Account. And when it comes to shared bills and savings goals, two paychecks are better than one! Open a Simple Shared account to tackle budgeting and save money together.

(1) Check it out for yourself (based on the September 30, 2019 National Rate): www.fdic.gov/regulations/resources/rates/

Rates are effective as of October 1, 2019, are variable, and subject to change after the account is opened. Accounts subject to approval. Balances in your Simple Account earn 0.01% Annual Percentage Yield. In order to open a Protected Goals Account, you must already have a Simple Account open. For your Protected Goals Account, balances between $0.01-$9,999.99 earn 2.02% APY and balances $10,000 and above earn 2.15% APY.

Banking Services provided by BBVA USA, Member FDIC. The Simple Visa® Card is issued by BBVA USA pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.