Simple - Mobile Banking and Budgeting App

Simple is one of the first mobile banking apps that has helped customers budget and save since 2012.

Budget and save with no hidden bank fees, with balances in Protected Goals Accounts earning a competitive interest rate.

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 a competitive interest rate.

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.

Round-up Rules

Start saving money effortlessly with Round-up Rules. Whenever you make a purchase, what you spend will be rounded up to the next whole dollar amount, and the difference will be tucked away into your Protected Goals Account. It’s like a digital change jar...one that adds up to real money in the bank.

(1) Check it out for yourself (based on the December 2, 2019 National Rate):https://www.fdic.gov/regulations/resources/rates/

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.

自2012年以来，Simple是最早帮助客户进行预算和节省的移动银行应用程序之一。

预算和储蓄无隐藏的银行费用，受保护的目标帐户中的余额获得有竞争力的利率。

简单支票帐户的各个方面都针对无网点的网上银行，预算和储蓄进行了优化，因此无论您身在何处，您都可以跟踪支出并管理资金。简单就是最好的个人理财。

无需涉足银行（或塞进不合适的移动应用程序中的银行），您就可以访问：

内置预算和节省工具

Visa®借记卡

照片支票存款

FDIC-Insurance达到法定限额

直接存款

外部帐户连结

即时转账给其他简单客户

第三方付款服务，例如Square，Venmo和Paypal

如果卡丢失或被盗，可以在线阻止您的卡

简单目标

使用目标省钱：将钱藏起来以备不时之需，或者自动储蓄所需的东西。从意大利之旅到一辆新自行车。开设一个单独的“受保护的目标”帐户，以在获得有竞争力的利率的同时，将钱从支出中积away下来。

简单费用

一次性设置您的费用，然后继续，其余的将由我们完成。当您支付租金时，您的费用已经为下个月的账单节省了钱。是的，这是我们的工作。 （使用共享帐户时，您甚至可以与合作伙伴分配费用）。

安全消费®

自发地花钱，而不会影响您的预算或账单（或当场进行算术...）。我们用您的帐户余额，减去费用和目标，然后准确告诉您剩余的资金可用于您所需的任何费用。 （买鞋！）

共享账户

与感兴趣的任何人一起赚取利息：使用“共享的受保护目标”帐户，使您的收入赚取全国平均值的35倍（1）。当谈到共同的账单和储蓄目标时，两张工资总比一张好！开设一个简单共享帐户，以解决预算问题并节省资金。

汇总规则

通过汇总规则开始毫不费力地省钱。每当您进行购买时，您的支出将四舍五入至下一个整数，并且差额将被计入您的受保护目标帐户。这就像一个数字零钱罐……一个可以将银行中的真钱加起来的钱。

（1）亲自检查一下（基于2019年12月2日的国家费率）：https：//www.fdic.gov/regulations/resources/rates/

银行服务由FDIC成员BBVA USA提供。 SimpleVisa®卡是由BBVA USA根据Visa美国公司的许可发行的，可以在接受Visa借记卡的任何地方使用。