A while ago, I had a landlord who withdrew rent directly from my bank account[1] and who kept charging me rent after I had left. They also refused to return the money to me and insisted I file an ACH dispute through my bank, Simple. I was responsible for rent for me and my roomate, so being double charged rent for a month meant I was suddenly short two peoples' worth of rent.

Simple was super, super good about the whole thing. They gave me an interest-free loan for the whole amount and told me that if the dispute was successful (which it was), I'd just get to keep the loan. They also put an ACH block[2] on my account, and generally were super responsive in support.

Simple wasn't great for a lot of stuff you could expect from normal banks, like writing checks (for a while, you couldn't get a checkbook from them), cashier's checks, and money orders, but for everything else, they worked really well. I'm kinda sad to see them go.

[1]: I now know this is a bad idea. Always use a 3rd party or pay manually! [2]: ACH blocks are weak, but they're the only sort of protection against malicious actors like this. They prevent a specific amount of money from being withdrawn from a specific party, but there's no way to, say, block all withdrawal attempts from a party.