Heat transfer and pressure drop of a fin-and-tube heat exchanger are studied by taking into account the conjugated heat transfer between the flow and the fin. The temperature distribution of the fin is calculated in respect to the convective heat transfer of the air flowing through the tube bank channel. Contemporary enhancement methods emphasize the importance of local turbulence augmentation which effects the convective heat transfer. In this paper, the importance of conjugated heat transfer, where the temperature of the flow and fin are coupled together is emphasized and compared with a constant surface temperature boundary condition simulation and experiment, which are found in the literature.