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Comment by Karunamon | Hacker News Reader

The onboarding process on the other hand is opaque and nigh-useless. I got shot down for an account with these guys due to a .23 (that is not a typo.. twenty-three cents) report on chexsystems from five years ago.

Every bank I've had the ability to talk to an actual person was able to see that this is clearly absurd, I am not a serial check bouncer/overdrafter/etc and to get my account going. Simple..notsomuch. I'd love to use them if they'd let me.

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I had issues with the signup process as well, but I will say that a lot of those come from using Bankcorp as their backer. They are, ultimately, the ones that accept or deny you, and I don't know how much information Simple has when it comes to those decisions.

Same for me. First time I ever got declined for a checking account (out of at least 20). And no help from Simple support.

I had heard so little from them that I assumed they were in the throes of dissolution. I guess I was wrong.

I'm still blown away that they don't/can't offer joint accounts. I mean, I'm fairly sure that's not a limitation of Bancorp, so ...

If indeed the report is that old, why not just send the offending bank the .23?

I have. And my chexsystems report shows that it's been paid off. The negative info is still there.

I still have some very shitty things on my credit report, from as recent as three years ago, and I was accepted no problem. Frankly, I was surprised.

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