If you bank with us, you're money resides in an FDIC-insured bank account. You have the account and routing numbers and can transfer funds in or out at any time. We try to make banking anything but "scary" :)
Sweeping the technical details under a rug is what is making this scary. Many people may not care, but it would be very comforting to those that do if you had a document somewhere that explained exactly, in gory detail, where and how BankSimple fits in between the customer and the bank.