It was designed to appeal to millennials. After August 10, 2019, it became just another part of Chase Mobile.
Hungry to get in on millennial-led digital banking, Chase introduced Finn by Chase in late 2017 as a way for a “different set of customers” to turn their phones into a mobile bank. It didn’t pan out to be much different from the bank’s Chase Mobile app, however.
What are the benefits of Finn by Chase?
Finn is designed to allow customers to apply for, fund and manage your account from your phone:
- No monthly fees. Bank with no service fee — and without entering a Chase branch.
- Free ATM access. Use your Visa debit card at more than 29,000 ATMs nationwide.
- Money management tools. Create savings rules, set up automatic transfers, track spending and rate purchases.
- Checking and savings. Save a nest egg and pay your bills from one convenient account.
What should I look out for?
As with many digital accounts and apps, Finn comes with potential drawbacks beyond its liberal use of emojis:
- No branches. You can’t visit a Chase branch for deposits, disputes or help for your Finn account.
- No overdraft protection. Finn declines any transaction that takes your account balance to $0.
- Low interest rate. Your Finn savings account pays an average APY of 0.04% only.
Chase ATM network and fees
Finn by Chase comes with a Visa debit card for shopping worldwide and banking at more than 29,000 fee-free ATMs across the country.
- Out-of-network ATM fees depend on where you’re using your card:
- Domestic ATM fee. $2.50 + fees from ATM owner
- Foreign ATM fee. 3% of each transaction
Compare with other checking accounts
How do I apply?
Apply for this mobile-only only account by downloading the Finn by Chase app:
- Download and open the Finn by Chase app. Tap Get started.
- If you’re not currently a Chase customer, tap Next. Otherwise, sign in with your Chase details.
- Enter your personal information, then click Next.
- Set up your account preferences and wait for your debit card by mail.
Eligibility
- At least 18 years old
- Valid Social Security number
- Valid government-issued ID
- Valid US address
Required information
- Name and contact information
- Date of birth and Social Security number
- Email address and phone number
- State-issued ID or passport
How do I deposit or withdraw money?
Deposits
- Mobile check deposit
- At an ATM or branch
- Online or wire transfer
- Direct deposit
Withdrawals
- At an ATM or branch
- Online or wire transfer
- Cash back from a participating merchant
- Bill pay
How do I contact Finn by Chase customer service?
Get help with your account in two ways:
- Live chat. Send a message via the mobile app.
- Phone. Call 800-636-9415.
Does Finn by Chase offer other checking options?
No. Finn offers basic checking and savings only. You can find more flexible banking options with its parent bank, Chase.
Bottom line
Finn by Chase’s mobile-only checking and savings accounts offers tools that can help customers track spending and save more. But millennial or not, you’ll find stronger earning potential and more flexible banking options by comparing other accounts on the market.