[Expired] Finn by Chase $100 Checking and Savings Bonus [Nationwide]

Deal has expired, view the best current checking bonuses by clicking here.

Offer at a glance

Maximum bonus amount: $100
Availability: Nationwide
Deposit required: $25
Deposit length: 90 days
APY: 0.01%
Hard/soft pull: Soft
ChexSystems: Unknown
Credit card funding: $500, debit only
Monthly fees: None
Early account termination fee: 6 months, forfeit bonus
Household limit: None
Expiration date: December 31, 2018

Contents

1 The Offer
2 The Fine Print
3 Avoiding Fees
4 Our Verdict

The Offer

We reviewed the Finn by Chase alternative banking product here, and it’s now available nationwide to anyone with an iPhone (6S or newer). They’ve also increased the signup bonus from $50 to $100:

Open a new Finn Checking and Finn Savings account (both accounts are opened at the same time), which is subject to approval
Deposit $25 or more into the checking account
Complete at least 10 qualifying transactions within 60 days of account opening
Bonus will be deposited into your new account within 10 business days

The Fine Print

Offer valid until 12/31/2018.
Offer not available to existing Chase customers with Checking and Savings accounts, those with fiduciary accounts, or those whose accounts have been closed within 90 days or closed with a negative balance.
Qualifying transactions include: debit card purchases, bill payments made through the Finn app, payments made or received through Send Money with Zelle^®, check deposits made through the Finn app, or direct deposits into your Finn Checking account. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government.
You can receive only one new checking account opening related bonus every two years from the last enrollment date and only one bonus per account
Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).
The Annual Percentage Yield (APY) for Finn Savings effective as of 5/20/18 is 0.01% for balances between $0-$9,999, 0.03% for balances between $10,000-$24,999, and 0.04% for accounts with balances above $25,000 in areas where the Finn by Chase℠ app is available. Interest rates are variable and subject to change. Additionally, fees may reduce earnings on the account.
If the Finn Checking and Savings account is closed by the customer or Chase within six months after opening, we will deduct the bonus amount for that account at closing.

Avoiding Fees

There aren’t any fees I’m aware of. Just be sure to leave the Finn account open for 6 months so as not to get the bonus clawed back.

Our Verdict

$100 isn’t much but it’s a very easy bonus to do and some will find it worthwhile.

It’s vital to note that since Finn is part of Chase, you can not do this bonus if you have a Chase checking or savings account (seems you can open a Finn account, but can’t get a bonus). Chase allows one bonus per calendar year; not clear if you can do a Chase bonus and a Finn bonus in a single calendar year or if the calendar year limitation applies across both products.

I’m guessing they’re limiting us to one bonus across both products. Because of that, these Finn bonuses aren’t useful from a bonus-churning perspective since you can get much better bonuses by applying for an ordinary Chase checking account.

A lot of people might be interested in this bonus as it’s a nationwide and easy offer – Chase bonuses don’t typically work outside their footprint. This bonus also does not have a direct deposit requirement.

Hat tip to reader GG

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66 Comments

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Max (@guest_737247)

March 19, 2019 17:40

#737247

Just noticed my Finn account disappeared from website and app claims account doesn’t exist. It’s been 5 months since opening, so I suspect this is their way of clawing back $100 by closing the account before six months. Not sure how much was in my account, didn’t leave much in the account, but certainly have not received a refund of the balance. It’s pretty shady of Chase to close without notice and remove access to statements. Glad didn’t put too much money in there. Sticking with Capital One 360 from now on.

Alan (@guest_690182)

December 13, 2018 09:12

#690182

Looks like this is now available for Android phone ideas as well. App launched on the Google Play Store as of November 30, 2018.

Champ (@guest_667839)

November 5, 2018 08:18

#667839

Will this prevent me from getting a Chase checking bonus? I’m not sure if Chase considers Finn as “Chase” in their terms.

Jeff (@guest_663337)

October 26, 2018 00:32

#663337

So has anyone who already received a Chase checking bonus been able to get the Finn bonus also?

Jeff (@guest_659721)

October 18, 2018 14:48

#659721

Anyone get the bonus having Chase checking closed for less than 90 days?

Ray (@guest_650164)

October 2, 2018 08:30

#650164

So only Iphone users huh? – Ghey..

Shaun (@guest_647298)

September 25, 2018 14:30

#647298

Chase’s new two year rule also applies to Finn. Might want to update this article.

Admin

William Charles(@will)

September 25, 2018 19:00

#647399

Shaun

Thanks, doing so now.

Cody (@guest_634866)

August 27, 2018 12:40

#634866

you missed your chance at describing the “Finn” print of the bonus.

August 27, 2018 19:51

#635371

Cody

lol

Stephanie (@guest_633606)

August 23, 2018 22:34

#633606

Is there a minimum purchase amount? In other words, could I do 10 seperate $0.50 amazon gift card reloads and it count towards the 10 transaction requirement?