Simply link your primary checking account to Finch. When you spend, Finch spots you and automatically pay ourselves back from your linked checking account. Your cash back is auto invested into a personalized portfolio. If you want to invest more, you can simply make a one time deposit or set up a recurring investment. Finch will also repost your spending as credit worthy payments to all three credit bureaus monthly. Since you can only spend the money you have, you build credit, debt free.

Finch charges monthly for their premium which includes add-ons. The cost is up to $5 per month. Finch also monetizes when you use your debit card, which is paid by merchants and not by you.

Finch is backed by a SPIC insured broker dealer, an FDIC insured bank, and have added cared security. There are no hidden fees and no fees added for foreign transactions.