I think there's an analogous problem with encryption and GPG: like with credit unions (USAA in particular) there's an easy solution out there, but relatively few people use it.
Just curious, what benefits do you get from simple.com that USAA does not provide? I looked at it in the beginning but it didn't seem to add anything, perhaps that's changed.
That's a great question. I like the experience of simple. I get push notifications when I swipe my card. I enjoy the "Safe to spend" amount that takes into account my goals. Photo check deposit is great too. It's early days for them, but I like backing that horse.
USAA is a great company. They give you ATM fee reimbursements which is a huge benefit over simple. I feel guilty getting them since they have to eat that cost. In dealing with them, they're always pleasant and friendly, but they have policies like photo check deposit is only available if you're ex-military.
