Posted by Chuck on June 7, 2018
Bank Account Bonuses

Published on June 7th, 2018 | by Chuck


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

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

The Offer

Direct Link to 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

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

Useful posts regarding bank bonuses:

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I’m off to close my Chase checking now.

It says you have to wait 90 days between closing accounts. Unless you are just planning to hold out until Chase has its $300 checking bonus again. The wait for that might be longer than 90 days though between when you last had an account.

I was thinking of closing Chase checking having already received the $300 bonus but they will take back the bonus if closed within 6 months.
Guess I’ll have to wait 3 more months.


BTW: I had success closing a Chase CK account with a SM after drawing out the balance to zero (with Zelle)

I tried to open with android with no success

Screw that. I’ll take 300 bonus on checking.

yea, no brainer. trying to think of a scenario where this would actually make sense for someone

Those who can’t pull off any pseudo direct deposit at all.

Residents of certain states without a Chase presence can’t open checking/savings, even online.

YMMV with the latest offerings.

Super easy applied in less than a minute with my chase account. Plan on sending myself 5 Zelle transactions and sending back. Easy $100.

…but it says no current Chase customers….

If your a credit card customer I imagine it’s fine.

Since this is available nationwide it may be attractive to people who live in a state without a Chase branch.

That’s what I thought. I’m outside of Chase’s footprint until they open a branch in the area (next year, so I hear) So it shouldn’t be too hard to put a few $ in and then Zelle yourself or Amazon reload a few times.

With 25K in savings, the 0.04% starts to become appealing. Not in a Chase state so I guess I’ll to do this.

You realize they mean .04% ? Not 4% right? The interest on $100 in a year is 4 cents. If youre not getting at least 2-3% you’re doing things wrong.

I thought the sarcasm was fairly obvious as I specifically stated .04%. My apologies for not doing it better.

I agree with you that the preference of the regular checking $300 bonus offer is a no-brainer EXCEPT for its direct deposit requirement. They have tightened up on the ACH transfers in and what constitutes a qualifying DD. And please believe me, I was grilled by the CHASE rep over the DD when I opened that account last year. Did get the $300 but I threw everything but the kitchen sink as a direct deposit to get it.

Hard Pass. “Ya don’t tug on superman’s cape, you don’t spit in the wind, ya don’t pull the mask off the old lone ranger and ya don’t mess around with Chase.”… 😉

.01% (1/10th of 1%) interest up to 1 penny less than $10k and Chase expects folks to jump on this for a $100 bonus? I did the $100 bonus for Memory Bank which pays 1.6%, and is now my primary spend account.

I think I’ll pass on this exciting new Finn product from Chase and stick to the once a year checking bonus at the Chase branch 20 minutes away.

“Chase allows one bonus per calendar year;”

What do you mean by this? TheT&C for the current checking offer says 90 days.

Checking offer is not available to existing Chase checking customers. Savings offer is not available to existing Chase savings customers. Both offers are not available to those with fiduciary accounts, or those whose accounts have been closed within 90 days or closed with a negative balance.

Edit: Sorry, it looks like you mean for Finn, not Chase.

No, for Chase as well. Account has to be closed for 90 days but there is another piece in the fine print that limits you to one bonus per calendar year. The restrictions are independent of each other (e.g it has to be at least 90 days since you last closed an account and you can only get one bonus per calendar year). Otherwise people would get like 4 bonuses annually.

Thanks for the clarification. I had no idea this was in the fine print.

but William Charles you are allowed 1 savings and 1 checking bonus per calendar year, right? so actually, people are used to getting 2 bonuses annually. I’m just double checking too.. lol I got the Savings bonus in March, and now currently doing a Checking bonus. Thanks

Yes, one checking & one savings (for personal and then again for business accounts).

so Doc lets say if i open the Finn now and later go to the branch and apply for business checking i wont get the bonus for the bizz checking account than correct??

No, not correct. You can get:
1 personal checking bonus, 1 personal savings bonus
1 business checking bonus, 1 business savings bonus

I assume Finn counts as your personal checking bonus

credit cards dont work to fund just tried with my discover card

I assume credit card funding rules for Finn would be same as Chase. Nothing on the chart ( about funding with Amex and whether that would work as purchase or show as cash advance.

Seems like they won’t open an account if you have your bureaus frozen. Just tried and I got an action letter about experian.

Has anyone received the bonus for this one yet? I just finished my 10 (hopefully) qualifying transactions and am curious how long the bonus takes to post for this one. Am I the only one who opted for the smaller Chase bonus, lol?

Hey man I’m in on this too, completed everything 6/19 and haven’t received any bonus yet, couldn’t find any DPs on Reddit either

I opened my Finn account on 6/19. I completed 10 “qualifying transactions” on 6/19. I did Zelle and bill pay.

I received the $100 bonus on 6/26. It showed up in the checking account on my Finn app.

Best of luck!

I closed both the Finn checking and savings today. Both account balances were $0. I closed the accounts by talking to a customer service rep over the phone. There was no early closure fee.

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