The deposition of fly ash on the heat exchanger will reduce the heat transfer efficiency of the system. This article conducted experiments and simulations on the deposition, exploring the effects of velocity, particle size on the deposition position. In addition, deposition density distribution was demonstrated, the calculation method of fin thermal resistance was improved, and the efficiency of fins was also calculated. The results showed that deposition decreased with velocity increasing, and the simulation results were in good agreement with the experimental results. The deposition distribution of the first section of the fin is unimodal, and the maximum deposition value approaches the peak of the fin. The distribution of the second section of the fin becomes bimodal with increasing velocity. In addition, as the speed increases, due to the decrease in deposition mass, the thermal resistance decreases by 53.2% and the fin efficiency increases by 8.82%.