James Duncan Davidson’s thoughts on Simple jive with mine. I received my account a month ago and while I won’t be switching from USAA right now, I could see that happening in the next year. The UI for the website and iOS app, the card, and the ethos that surrounds the company really appeal to me.

It’s a bank, so there isn’t much to say, other than this one important thing: it’s a bank that you won’t hate and that in return, doesn’t hate you for being a customer.

That’s about the most different a new bank can really be at this point and Simple has achieved that thus far.