It's detailed in this ms section that Simple has shut many people down. They also allegedly hold onto funds for a long time. It's also detailed in many threads in this ms section that doing that much in MO deposits to any new account is a bad idea. "New" account means less than a year. Many still don't deposit even that much into older accounts. This is not really directed at the OP, since they probably already feel horrible about all this, but other readers need to be very careful about MOs and read, read, read and go slow, slow, slow or find another avenue.