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 APY Minimum deposit to open ATMs Out-of-network ATM fee
Aspiration Spend & Save Account
Finder Rating: 4.2 / 5: ★★★★★
Aspiration Spend & Save Account
5.00% on balances of $0 to $10,000
55,000+ free Allpoint ATMs worldwide
Deposits are fossil fuel-free and insured by the FDIC. Enjoy a spend and save combo account with unlimited cash back rewards and a $150 bonus when you spend $1,000 in your first 60 days.
NorthOne Business Banking
Finder Rating: 3.4 / 5: ★★★★★
NorthOne Business Banking
withdraw cash at any Cirrus branded ATM location (+1,000,000 locations accross the U.S + 2m worldwide), including MoneyPass ATMs

NorthOne Business Banking is an all-in-one solution for small business owners, startups and freelancers. It boasts unlimited free transactions, subaccounts, and robust bookkeeping integrations.
Citi Priority Checking
Citi Priority Checking
Over 72,000 fee-free ATMs in the U.S.
Secure online banking and access to cash with one of the largest networks of fee-free ATMs in the US. Earn up to $1,500 when you open an eligible account and complete required activities.
Finder Rating: 4.8 / 5: ★★★★★
1.20% on balances of $0 to $50,000
0.25% on balances of $50,000.01+
More than 85,000 ATMs nationwide
A free account for crypto and cash that earns a 1.2% bonus rate plus 5% cashback on purchases from participating retailers.
First Citizens Bank Free Checking
First Citizens Bank Free Checking
1,100+ First Citizens Bank ATMs
First Citizens Bank Free Checking stands out for its built-in finance tracking tool, Manage My Money. Available to residents in NC, SC, TN, AZ, CA, CO, FL, GA, KS, MD, MO, NM, OK, OR, TX, VA, WA, WV, and WI.
Chime Spending account
Finder Rating: 4.7 / 5: ★★★★★
Chime Spending account
60,000+ fee-free ATMs
Get rid of fees with this financial app offering consumer-friendly accounts. Chime can also help you save easily and access your paycheck faster.

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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