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In this paper, the performance of a complete halogen-free (HF) board assembled with five ball grid array components using daisy chains on an 8-layer high density interconnection printed circuit board (PCB) was examined using bending tests. The solder joint was composed of the SAC405 solder ball melted with the SAC105 solder paste on the Cu pad surface of either organic solderable preservative (OSP) or electroless nickel immersion gold (ENIG), and was tested to examine the extent of Ag3Sn intermetallic compound (IMC) formed. A board-level cyclic bending test was executed to the as-reflowed assemblies according to the JESD22-B113 standard to evaluate the reliability of various surface finished HF PCB assemblies under a recommended load condition. By Weibull analyzes the characteristic lives of the assemblies were 99098 and 130290 cycles on OSP soldering system and ENIG system respectively, indicating that the ENIG had a higher bending fatigue endurance as compared to the OSP. The dominant failure mode was the fracture of Cu trace within the micro-via caused by the crack of the resin coated copper layer. At the interface of the solder joint, the IMC formed on both OSP and ENIG was (Cu, Ni)6Sn5 with various Ni contents of 3.9 and 20.1 at%, and different thicknesses of 5.6 and 1.1 \mum, respectively. Numerical simulations showed that both composition and thickness of IMC influenced the stress concentrations and characteristic life of the HF test vehicle as they could slightly increase localized solder joint rigidity and result in more serious pull and drag behaviors at the corner joint. Although the (Cu, Ni)6Sn5 on the ENIG was stiffer than that on the OSP, the thicker IMC layer instead increased the stress on the OSP system due to size effect, and resulted in a lower characteristic life. [ABSTRACT FROM PUBLISHER]