This is Simple. It is a bank that's built from the ground up with the idea of modernizing banking. At a glance, it takes the best features from many recent banking upgrades and adds a few more, but with a twist.
You can check your balance, and your "Safe to Spend" balance with all pending and pre-scheduled transactions considered, from your phone or by using Simple's website.
You get cash and spend with a Visa-based Simple card, deposit checks by snapping front and back pictures, and pay people directly from your phone. Sounds like the future of banking already.