same quiz but RB

http://www.sporcle.com/games/cdhmiam...year-2000-2010

Are you like Mint?
Yes and (mostly) no. Simple replaces your bank. Simple offers budgeting tools like Mint, but that’s where the similarities end. We do not aggregate accounts at other banks, credit cards, loans, etc. into a single view.

Now, about our categorization and budgeting functions: because we’ve built the entire banking experience from the ground up, Simple receives much richer data than third-party tools. With better data, Simple can help you do things like categorize your transactions, understand your spending in real time, and make all your activity searchable. Our Reports feature gives you detailed analysis of your finances over time. Budgeting is also much easier when it's right in your account. With Goals, you can save money over time, or flexibly set aside chunks of money for bills, treats, or any reason you want. More on our features here

What about fees?
Simple does not profit from fees. We believe that sort of business model creates an adversarial relationship between banks and their customers, since the bank benefits when customers make mistakes. That’s not right. We’re adamant about minimizing fees and never penalizing our customers.

This means:

No hidden fees, no monthly debit card fees, account maintenance fees, low balance fees, overdraft fees, or anything of that sort; and
No fees for domestic funds transfers, or for using a domestic out-of-network ATM (although the out-of-network ATM owner may charge a fee).
Though the fees are very few and far between, we’re not entirely fee-free. After 180 days (6 months) of inactivity, we charge a $5 monthly fee to avoid escheatment, which is when the government attempts to reclaim "unused" bank accounts. But don't worry: we want to avoid that as much as you do, and we'll warn you before it happens! The only other time you might ever incur charges from Simple is when the service you request is too expensive for us to cover (e.g. international wire transfers). In these cases, we only charge you what the service costs to provide. For details, see our Schedule of Fees.

If you don’t profit from fees, how does Simple make money?
Great question! Simple makes money in two ways, interest margin and interchange:

Interest margin is the main way banks made money for centuries (before the fees game). Basically, it’s revenue a bank earns from loans, less the interest the bank pays its customers on deposits. For example, if a bank earns 8% interest on its loans and pays 3% interest on its customers’ deposits, the interest margin would be 5%. Our partner bank splits this interest margin with us.
Interchange is revenue earned by a card-issuing bank when customers make purchases using that bank’s card. Our bank partners split this interchange revenue with us.
Additionally, since Simple is exclusively online, we don’t build or maintain branches, which keeps our costs down compared to the operating costs of traditional banks.

91/120. meh.

Its simpler.

dont see anything there about rewards credit cards

lol people who end up paying fees to banks

I don't currently pay fees for BoA but I hate it anyway and don't trust how long that will be the case.

Credit cards something different, this would mostly just replace a BoA checking account and be used for direct deposit

AUCTION Bros:

Please check out this thread http://forumserver.twoplustwo.com/15...ues-b-1358040/ where we will discuss all things FACK fantasy related and figure out an auction date/time.

We also still need a few of you to accept the league invites and are looking for 1 more owner to fill the last spot. If you are interested lmk asap!

BoA sometimes hits me with odd fees and I have no idea why. I am not a fan of BoA but I'm in too deep.

What type of fees? Have you asked?

Banks just randomly charging fees is crazy to me.

Simple bank seems awesome except that it's online-only. I don't like that.

There's always a reason. About 6 months ago I went to a branch and yelled at the bank manager about the hidden fees, they refunded 2 of the 3 fees and explained why I was charged. However, in that time, I've been hit a ~few other times.

On the whole they've probably gotten about ~100 in fees over my banking time there. Not a whole lot but very annoying. I don't think it's worth finding a new bank yet over that, but I dont like my relationship with BOA.

I dont think ive ever been charged a fee from BOA

of course my banking is really simple, i put everything on my credit card and pay it off the first day after the closing date

What is the reason, though?

I have a few accounts, mainly because when I lived in Cali. (And they are on 2 different networks or something, they've never fully integrated East/West coast stuff) Sometimes my balance dips too low and they hit me with a fee. I've also overdrawn before when I've taken out of the wrong account. Etc. Very annoying stuff like that.

Might switch to Wells Fargo for a year because they offer huge discount on snowboard passes if ya do.

But my current bank accepts Bovada checks without question, so its probably not worth any potential headache or issue there.

My small local bank finally got mobile check depositing on their app a few weeks ago. So great.

tl; dr

can you give a simpler explanation please

PSA: 6 days til breaking bad

ICWUDT!

NTSB intern June 21, 2013 - July 16, 2013
LLWS intern July 17, 2013 - August 5, 2013

Sick résumé rmthawk has there

Never saw this from OP

C-Viggity - Trolling in his usual "I think you're all dumb and I can get away with this" way even though he's super transparent.

Who wrote this?