I already use a small local bank. They have only a handful of branches and it's pretty easy to get stuff done with them.

I don't want to change that relationship because I am happy with it, and I certainly don't want to abstract the whole thing through a middleman. It doesn't look like Simple is really right for me anyway as I have several joint checking accounts and a business account as well.

But, I really wish my bank had some of the really slick online banking/mobile deposit capture features that Simple is promising. I hope that if Simple gains some traction, they can offer white label online banking services to banks or brand it as "LocalBankCo online banking, powered by Simple."