I haven't followed news about BankSimple, and the firs few minutes of the demo I watched didn't help me understand what it is. Is BankSimple an actual bank (with ATM card, routing numbers, etc.)? Or is it a PayPal competitor? Or is it just a front end that interacts with Banks? Going to BankSimple.com, it seems like it's trying to be an actual bank. But the demo on the website made it seem more like a Mint competitor. So, BankSimple is just another bank but with a potentially super-awesome website? So far, I'm not convinced.