Finn by Chase account review

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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.

Chase discontinued Finn by Chase effective August 10, 2019. At that time, the bank rolled Finn by Chase into the Chase Mobile app, changing customers’ Finn account into Chase Secure Checking and Chase Savings and updating any digital wallets with their new details. Find a digital banking alternative by comparing the best app-based accounts and debit cards.

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

Name Product Minimum deposit to open ATMs Out-of-network ATM fee
Chase Total Checking
Access to 16,000 ATMs and nearly 4,900 branches nationwide
Get a $200 bonus when you open a new Chase Total Checking account and set up direct deposit within 60 days of opening your account. Chase's simplest checking account is easy to use and gives you access to 16,000 ATMs and nearly 4,900 branches. Available online nationwide except in Alaska, Hawaii and Puerto Rico.
HSBC Advance Checking
Surcharge-free HSBC ATMs nationally and internationally, plus up to four rebates a month for using non-HSBC ATMs in all US states except New York
Get up to $270 (max. $50 per month) for eligible new customers who open an HSBC Advance checking account. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
BBVA Online Checking
No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
A full-service account with convenient, surcharge-free access to two massive ATM networks, plus a $200 signup bonus when you meet deposit requirements
Aspiration Spend & Save Account
55,000 free in-network ATMs
Deposits are fossil fuel-free. A spend and save combo account with unlimited cash back rewards and deposits insured by the FDIC.
SoFi Money
SoFi Money® is a cash management account that charges no account fees to save, spend, and earn cash back rewards when you spend on brands you love.
NorthOne Business Banking
More than 300,000 ATMs across America.

A digital bank account featuring free cash deposits, on-demand customer support and streamlined bookkeeping integrations.

Compare up to 4 providers

How do I apply?

Apply for this mobile-only only account by downloading the Finn by Chase app:

  1. Download and open the Finn by Chase app. Tap Get started.
  2. If you’re not currently a Chase customer, tap Next. Otherwise, sign in with your Chase details.
  3. Enter your personal information, then click Next.
  4. Set up your account preferences and wait for your debit card by mail.


  • 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?


  • Mobile check deposit
  • At an ATM or branch
  • Online or wire transfer
  • Direct deposit


  • 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.

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