Chase Finn – The Right All-Mobile Banking App for You?

Last Update: September 13, 2021 Apps

Chase is diving head-first into the increasingly popular smartphone banking world, offering Finn’s new app. Much like popular all-mobile banking apps such as Chime and Moven, it’s new help for users to prevent over-spending and check their buying habits. With many in-app features clearly aimed at millennials, this new program has a lot to offer, including a potential $100 bonus for signing up (if you meet the requirements).

It also brings flexibility with Chase, so you can take advantage of Chase’s safety and security features and use their ATMs for free nationwide.

  • Who is this app best for?

iPhone and iPad users who only want simple banking features on a clean and easy-to-navigate smartphone application, plus helpful tools to manage your finances like auto-saving settings as well as tracking and organizing your purchases.

  • Who should consider other all-mobile bank accounts?

If you use an Android phone, if you are the type of person who likes or needs to speak with bank tellers in-person at physical bank locations, live in an area without many Chase ATMs, or if you want more than just bare-bones banking features for your personal banking.

Here are The Basics


  • Offers 24/7 support on the phone (you can also type your questions directly in the app).
  • You can also use any Chase ATM for free (ATM finder within the app).
  • $100 bonus to sign-up if you haven’t had a Chase checking account before.
  • Useful tools like autosave, ratings, and trends to organize your personal finances and see where your money is spent.
  • No monthly service fee.


  • No Android app is available yet.
  • Not available in all areas (check site to see).
  • No rewards program.
  • You can only make deposits at Chase ATMs or by transferring from another account.
  • Savings accounts only earn 0.01% to 0.04%.
  • 3% foreign transaction fee.

Chase Finn Mobile Bank Account App

To get started, all you need to do is either go to the official website and apply or download the application and go straight from there.

  • $100 Bonus Offer

You can take advantage of a free $100 bonus deposited into your account if you meet a few simple requirements: you have to be a first-time Chase checking account holder, make 10 qualifying transactions within 90 days, and keep your account open for 6 months.

  • Easy to open, easy to use

Applying is quick, and you get a debit card in the mail after about ten days. The user interface is sleek and simple to get the hang of.

  • Connected to Chase

This application is a branch of the larger Chase retail banking network means that you get a lot of free ATM access. You can log in on the main Chase main site. You get the benefits of having your account protected by a national, reputable banking institution.

Unlike standard Chase accounts, there is no monthly fee and no overdraft fee (because you can’t spend more than what’s in the account).

  • Shiny, modern tools

This app has three featured tools that are attractive if you want to help tame and organize your spending habits:

  • Autosave: You can set your own autosave rules.
  • Ratings: Rate your purchases individually based on your wants and needs to see your spending from another perspective.
  • Trends: See insights on your spending habits based on your behavior with the app.
  • Other perks

Depositing checks with your phone, 24/7 customer support on the phone and in the app, no monthly fees, and it doesn’t allow overdraft.

But wait a minute – Finn isn’t the only all-mobile banking app. If you want to enter the digital age and ditch brick-and-mortar banks, there might be an app more suitable for your personal needs.

You also might consider:

If you don’t need to deposit cash:

  • Consider the app:

This account has no overdraft fees, it’s all-mobile, and offers 40,000 domestic ATMs access. It also has a mobile budgeting tool that lets you know how much is “safe to spend” using machine learning that sees when you get paid and when your regular bills are paid. There are no fees for card replacement.

Downsides: No savings account available, and you can’t deposit cash.

If you don’t mind not earning interest in a savings account and have $50 to start an account:

  • Consider the Moven app:

This all-mobile app is similar to Simple and Finn, but you need at least $50 to open an account, and there is no savings account interest accrual. You can make cash deposits, unlike with Simple, but it can cost up to $4.95.

Downsides: Only has phone support on weekdays, mobile check deposits take ten days to clear, and there is no interest accrual for savings.



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