BankSimple looks like an awesome idea, and I wish these guys the best of luck in getting it off the ground.

I would immediately move all my accounts to a bank that at least understood what the hell actual customer service looked like, even at a distance. (HINT: it's not a terminally chipper phone jockey who's missing their clue gland)

The odds of this company succeeding are very, very low. It's a typical SF startup - in love with technology and the startup scene, and not the customer.

Your main programming guy is a lisper? You have a "Creative Director"? You are staffing up so quickly? You are bringing a pre-existing clique of people? Erlang? Clojure? Scala?

And with such a small team, you're spreading it out across 3 offices?

This team seems like a technical circle-jerk. You're making a BANK, not a programming language.

I'm sure that they will raise a lot of capital - but I really, really doubt that a real and credible business will come out this. These people understand technology, not banking or people. And the team build-out is reflecting this : it's all about technology and not about people or emotions.

The mis-use of the title "engineer" is insulting to those in that profession that earned that title. All I see are a bunch of computer programmers or computer scientists. No engineers here.