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Finch is the first all-in-one account that provides the returns of investing and the flexibility of checking.
Finch lets you earn investment returns by automatically investing your balance into a diversified portfolio of ETFs designed to match your unique risk profile. This means your balance is always working for you, from day one, no matter what your balance is. Finch further pushes the envelope by enabling you instant access to your money when you need it – even the invested part!
Our goal is to help you put your money to work, and with our all-in-one checking and investing account, it's never been easier.

• Seamless all-in-one account
Sick of managing multiple accounts? Now you don't need to. Finch lets you invest, earn, save and spend all from one place! We make money management easy!
• Personalized investment recommendations
Finch provides investment recommendations that best suit your needs. Finch only offers diversified, low-cost stock and bond ETFs created by some of the world's largest asset managers. This helps to make your investment choices simple while managing risk to a level that is appropriate for your everyday account. The goal is to put your money to work while only taking on the level of risk that is right for you.
• Investment returns on your checking balance
The money in your traditional checking account loses value over time due to inflation. Unlike typical checking accounts, Finch enables you to earn investment returns on your checking balance, so your money is always working for you.
• Simple automatic investing and rebalancing
When it comes to your investments, we’ll manage them for you. When you deposit or spend, we use fractional shares to rebalance your investment portfolio to keep you at your portfolio mix.
•Instant access to your money (even the invested part!).
Need your cash right away? Finch is the first account to offer instant access to your invested balances. That's right; your investments are now spendable! This means for purchases big or small, you can access your money just like you would with a typical checking account.

• No account minimums
• No hidden fees
• Direct deposits
• Free ACH payments
• Free withdrawals at over 55k ATMs
• Debit card with remote lock features
• Backed by a FDIC insured bank and a SIPC insured broker dealer
This app is operated by Trio Financial Technologies Inc., doing business as ‘Finch’. Advisory services are provided by Trio Advisors, Inc., doing business as Trio App Advisors, Inc. an SEC-registered investment adviser.

The bank services are provided by Synapse’s bank partners, Members FDIC. The Finch Mastercard® Debit Card is issued by our partner bank pursuant to a license from Mastercard International Incorporated.
Trio App Advisors, Inc. works with a partner broker, Apex Clearing Corporation, who is a member of FINRA/SIPC, which protects securities of its members up to $500,000 (including $250,000 for claims for cash). For details, please see SIPC - Securities Investor Protection Corporation .

Any uninvested cash or investment allocation to the Finch cash sweep is swept into an interest-bearing FDIC-insured deposit account opened by Finch's partner broker at a participating bank and is eligible for FDIC insurance up to the standard limit of $250,000 per account holder, per institution.
Non-deposit investments are not FDIC insured and may lose value. Investing involves risk including loss of principal. Please consider, among other important factors, your investment objectives, risk tolerance and Finch’s pricing before investing. Past performance does not guarantee or indicate future results.

What’s New

Version 2.4.0

New Account Performance section of app, onboarding document appeal, and bug fixes

Ratings and Reviews

4.2 out of 5
71 Ratings

71 Ratings

061900 ,

Literally the best

The returns are daily and amazing. For reference, I went for a mostly growth strategy (60% growth, 30% bonds, 10% cash) and I put in $210. I’ve gotten as high as $0.43 in a day, typically making under $0.10 a day. While it’s not much, it could end up buying me a donut at the end of every month. It’s honestly so worth it to open a Finch account. Their website also has a ton of useful articles.

Get the app, it’s a 10/10 experience all the way around

Developer Response ,

We're so excited about your daily returns! This is one of our team's favorite features. 🙌

nmthomas87 ,

I’m FINALLY able to optimize my checking account!

Over the last few years, I’ve been looking for a way to invest the cash in my checking account. Finch allows me to earn returns on my cash without having to use a separate investment account. It even allows me to customize my investments according to my risk tolerance and values. The app is easy to use and is exactly what I need to optimize my financials. I highly recommend this app!

Developer Response ,

We love that you're finding our app easy to use and enjoy the flexibility of our investment portfolios - it's our goal to make investing easier while giving you more control over your money! 👊

Maenzl ,

Exactly what I was looking for!

A simple, easy to use online banking platform that allows me to be always be invested AND have immediate access to my cash. No need to mess around buying and selling stocks to raise cash for daily use. Basically I get a checking account that can keep up with inflation and beats the pants off any traditional checking account interest rate. Highly recommend for anyone who cares about their money!

Developer Response ,

We love the simplicity of our checking and investing account, too - just deposit and we put your money to work! 💪

App Privacy

The developer, TRIO Financial Technologies, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Financial Info
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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