I looked at this earlier this year. Lack of API access means that we cannot build an application similar to Simple in the UK. I e-mailed several banks and most of them did not reply.
My understanding of Simple is that the services they provide are simply provided by their partner bank, http://www.thebancorp.com/, which is a regulated financial institute. I'm not sure how the issue of API access is relevant but this may be my lack of understanding more than anything.
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[ 3.3 ms ] story [ 22.1 ms ] threadI don't know if they're planning to offer a debit card though.