I have mentioned BankSimple briefly before but it wasn't until recently that they've started unveiling some of the specifics of the service - namely this demo. Originally I was concerned with their concept of not being an actual bank but a layer on top of existing banks... but now I see that in doing so they've likely gained a lot of flexibility in helping people in saving goals and focusing on a high-quality web layer for their service. The natural language search and "Savings Goal" manager in the demo is pretty slick.. definitely something to keep an eye out for more details on.