I have a Simple account but haven't moved any money to it yet. I'm not really sure why I'm hesitant. At first I was definitely going to do it if they came out with the electronic check deposit before Bank of America (which took BOA FOREVER to do).

But I use Mint and BOA and am having a hard time seeing any other major benefits except for a nice UI and better customer service. However, I've probably only contacted BOA's customer service maybe 2 times in the last 5 years.

No paper checks seem to be another pain point to get over