You mention you still have a "main bank". What are the reasons you maintain that relationship and don't completely sever ties? Do you plan to make a full switch to Simple? I'm not being facetious, I just want to point out that this is pretty common--for people to have a "side account" separate from their primary bank (we saw lots of people using prepaid debit cards in this way).
Since this is an area of interest for you, here's more detail:
I'd say I've switched to Simple from cash, not to Simple from another bank. But seeing most people's banking usage, I think they might be well served to switch to Simple from their regular bank barring business reasons not to. My wife is switching to Simple from her bank, for example.
My main bank is HSBC. I rely on their international account features, and enjoy their premiere world card and travel friendly banking and currency capabilities. I can walk into a local branch here in the US and withdraw cash in Euros, for example, or trade them back in, at official banking currency rates, not usurious money exchange rates.
Previously a longtime Citibank, BoA (was Fleet, bought by BoA), and Wells Fargo customer, I have found HSBC to have by far the most customer friendly statements (both the bank and the card), and by far the least hassle as far as upselling, cross selling, fees, etc. Maybe this is why HSBC got a first place ranking as "most ethical company" ahead of Intel ranked number 2:
HSBC is also the only bank I've worked with that lets me use my true credit card (not debit card) as my main ATM card as well. This replaces the high fee high interest "cash advance" role that most credit cards offer, with the true ATM/debit card role of the bank's dedicated ATM card. This way I can carry a single card for both normal CC use and no-fee cash and ATM features. HSBC's online systems are fully integrated across both banking and card services, their bill pay system is fewer steps than Citi's. They also offer high interest "online only" savings rates matching online only offerings like ING Direct. HSBC do not, however, have mobile check deposit.
I'm such a fan of HSBC that when First Niagara recently bought the branch I'd opened my account in and I couldn't move due to banking regs, I reestablished my banking relationship with HSBC all over again. (Meanwhile, First Niagara is the worst online banking experience of any bank I've experienced. It's worth noting that the underlying DNS names of their various online services all point to third parties, suggesting First Niagara outsources all this. They're bad, and they should feel bad.)
After a year with Simple, I've recently closed all the other accounts but Citi which I keep as my business account to keep things separate.
HSBC feels the most ethical of the banks I've worked with, Citibank the most convenient, and Simple the most ... simple. Above I compared Simple to the iPhone. Perhaps HSBC = Nokia, Citibank = Blackberry, and Simple = iPhone.
A small business owner should try Citi, a world traveler should try HSBC, and an everyday consumer should try Simple.
