Software Alternatives, Accelerators & Startups

Simple VS NowCerts

Compare Simple VS NowCerts and see what are their differences

Simple logo Simple

Simple is reinventing personal banking with modern online and mobile experiences, no surprise fees...

NowCerts logo NowCerts

NowCerts offers automated updates of policy information from carrier databases.
  • Simple Landing page
    Landing page //
    2018-10-06
  • NowCerts Landing page
    Landing page //
    2021-10-05

Simple features and specs

  • User-Friendly Interface
    Simple offers an intuitive and straightforward interface, making it accessible for users who may not be tech-savvy.
  • No Hidden Fees
    Simple is transparent about fees, such as not charging for overdrafts or maintaining a minimum balance, which can save users money.
  • Innovative Budgeting Tools
    Tools like 'Safe-to-Spend' and 'Goals' help users manage their finances more effectively by visually representing their spending power and saving goals.
  • Excellent Customer Service
    Simple has a reputation for responsive and helpful customer service, which can be reached via multiple channels, including phone, email, and social media.
  • FDIC Insured
    Deposits are insured up to $250,000 through a partnership with BBVA USA, adding a layer of security for users.

Possible disadvantages of Simple

  • Limited Product Offerings
    Simple lacks a comprehensive suite of financial products like loans and credit cards that traditional banks offer.
  • Cash Deposit Limitations
    Depositing cash can be cumbersome as Simple does not have physical branches; users must utilize third-party services which might incur fees.
  • No Physical Branches
    The absence of physical locations may be a disadvantage for those who prefer face-to-face interactions for their banking needs.
  • Reliance on Internet Access
    As a fully online bank, Simple requires stable internet access and competent digital literacy, which may not be convenient for all users.
  • Limited ATM Network
    While Simple provides access to a broad network of fee-free ATMs, users might still encounter situations where finding a fee-free ATM is inconvenient.

NowCerts features and specs

  • User Friendly Interface
    NowCerts offers an intuitive and easy-to-navigate interface, making it accessible for users of varying technical proficiencies.
  • Comprehensive Feature Set
    It provides a plethora of features including CRM, AMS, document management, and automated workflows, which are essential for insurance agencies.
  • Customizable
    The platform supports significant customization options, allowing agencies to tailor features and workflows to their specific needs.
  • Integration Capabilities
    NowCerts integrates well with other industry-standard software and tools, facilitating seamless data transfer and process automation.
  • Customer Support
    The service includes robust customer support with responsive assistance, training resources, and documentation to help users troubleshoot and maximize the tool's potential.

Possible disadvantages of NowCerts

  • Cost
    NowCerts can be relatively expensive for small agencies, especially those with limited budgets.
  • Learning Curve
    Despite being user-friendly, the extensive feature set may come with a steep learning curve for new users.
  • Occasional Bugs
    Users have reported experiencing occasional bugs and system glitches, which might hinder workflow efficiency.
  • Limited Offline Access
    The platform primarily relies on an internet connection, making offline access and functionality very limited.
  • Update Frequency
    Frequent updates might necessitate continuous adaptation and learning, which can disrupt business operations temporarily.

Analysis of Simple

Overall verdict

  • While Simple was considered a good choice for digital banking due to its ease of use and helpful financial management tools, it no longer operates independently. Former Simple customers and individuals seeking similar features might consider alternatives like Chime, Varo, or other modern fintech companies that offer similar services.

Why this product is good

  • Simple was known for its intuitive and user-friendly mobile banking experience, offering features like budgeting tools, no fees on basic accounts, and a reliable digital platform. It aimed to make banking straightforward and stress-free for users, especially those comfortable with handling finances through an app. However, as of 2021, Simple has been shut down by its parent company, BBVA USA, and its services have been transitioned into BBVA's offerings.

Recommended for

    Simple, when operational, was recommended for tech-savvy individuals looking for a seamless online banking experience without many fees, and people interested in integrated budgeting and financial tracking tools. Current recommendations would be to explore existing fintech solutions with comparable benefits.

Simple videos

The Truth About Simple Skin Care

More videos:

  • Review - DOCTOR V Reviews Simple | Brown/ Dark Skin of Colour | SOC
  • Review - Simple Skincare Review! Micellar Water, Cleansers, Moisturizer | Clean, Affordable Skin Care

NowCerts videos

NowCerts Review 2020: Easy to Navigate!

More videos:

  • Demo - NowCerts Demonstration Part 1: Dashboard
  • Review - Self Serve Certificates - Setting up Master Certificates in NowCerts AMS

Category Popularity

0-100% (relative to Simple and NowCerts)
Finance
52 52%
48% 48
Business & Commerce
0 0%
100% 100
Time Tracking
100 100%
0% 0
Insurance Administration And Management

User comments

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Reviews

These are some of the external sources and on-site user reviews we've used to compare Simple and NowCerts

Simple Reviews

The 8 Best Budgeting Apps of 2020
Simple is more than a budgeting app, it is an online bank account that replaces your old checking account and has tons of useful budgeting features built-in. When your budget and your bank live in the same app, it is much easier to manage and keep everything under control because you only have one place to visit to view and manage your money.
17 Top Evernote Alternatives for Note-Taking for 2019
Hereโ€™s the lowdown: Simplenote is free across all devices; Evernote isnโ€™t. Evernote has an adequate amount of formatting and rich text options; Simplenote doesnโ€™t. Evernote offers web clipping, Simplenote doesnโ€™t.

NowCerts Reviews

We have no reviews of NowCerts yet.
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Social recommendations and mentions

Based on our record, Simple seems to be more popular. It has been mentiond 4 times since March 2021. We are tracking product recommendations and mentions on various public social media platforms and blogs. They can help you identify which product is more popular and what people think of it.

Simple mentions (4)

  • Closed bank closed debit card (simple.com)
    I received a refund for an item on Amazon and the debit card and bank was closed. Amazon will not reissue the refund to a different debit card and I'm clueless who to contact if there is anyone to contact since simple.com was defunct in 2021. Any help would be appreciated. Source: over 3 years ago
  • Am I selfish?
    Get a fresh bank account without him; credit unions can be good for this. Make sure it's not at a bank that he frequents...you don't want the teller to be "helpful" and clue him in on things. I used to recommend simple.com for a debit card, but they have sold out to PNC. Source: about 4 years ago
  • I never had to call Simple.
    Patience and discovering that simple.com now points to BBVA's Simple migration page. Source: about 5 years ago
  • Q about Simple hosted message center
    Prior to putting this on reddit the site showed a simple.com blue banner. Source: over 5 years ago

NowCerts mentions (0)

We have not tracked any mentions of NowCerts yet. Tracking of NowCerts recommendations started around Mar 2021.

What are some alternatives?

When comparing Simple and NowCerts, you can also consider the following products

Money Guide Pro - Money Guide Pro is a financial planning software solution.

AgencyBloc - CRM/Agency Management System for L&H Insurance Agencies

Salesforce Financial Services Cloud - Salesforce Financial Services Cloud offers CRM solutions for banking, insurance, and wealth management.

Jenesis Software - Insurance agency management solution

Joist - Joist is a mobile application to manage estimates, invoicing and accounting for contractors.

BindHQ - BindHQ is a platform that allows users to manage their whole insurance and agency work through this agency management system.