Simple user since 2014 (shortly before the BBVA acquisition), super glad someone mentioned Envel on one of the forum threads I was reading about the simple shut down.
I wasn’t the most robust user of simple, since it was usually my secondary account, but things I did use simple for: autopays, automatic saving using roundups, easy access to account/routing numbers for those random things, no overdraft or NSF fees (which is why I used it for autopays and ACH… I really hate the delays from ACH).
Regarding the budgeting features, mostly what I liked is that they made it impossible to accidentally spend money you had earmarked for other purposes. In the early days, that wasn’t the case and I dipped into my Safe-to-Spend a lot without realising it. Protected goals was a phenomenal improvement on that.
One thing I randomly loved about simple was the notification I got every time I paid for something. It was almost like a comforting reassurance that yes, I did just pay for that thing.
I also always really liked their support - during the pandemic they shut down phone support for one day and sent us an email about it, so they could catch up on all their open tickets… so much respect.
Excited to try Envel!