There are two ways to make a deposit into your Finch account using your bank account. You can use the bank login feature if you bank with a qualifying financial institution, generally larger banks with locations across the country.
If you don't use a qualifying bank, or your bank just doesn't support bank login, you can link to your Finch account with your bank account and routing number.
First, choose the type of account (either checking or savings) that you'd like to fund your Finch account with. Then, you'll need to enter your bank routing and account number.
Within 1-3 business days, you'll see two microdeposits - that is, deposits less than $1 - into your checking or savings account. When you get these deposits, come back to your Finch app and follow these steps:
- Tap the "Menu" icon in the top left corner
- Tap "Settings"
- Tap "Account Details"
- Tap "See Linked Accounts"
- Enter the two microdeposits from your other account
This will link your accounts and you'll be able to make deposits whenever you like!
Deposits can take up to 5 business days to settle in your Finch account. Once your deposit settles, it takes 5 business days to invest your money and reflect it in your available balance. Your deposit will be listed as "pending" in your transaction feed, and you won't be able to spend this money during this time.