Wudu is valid even if one does not insert ones finger in one's mouth when rinsing it. The report mentioned was narrated by Imam Ahmad with a daeef (weak) isnaad.
How to rinse the mouth in wudu
Question: 1175
Is wudu invalidated if a person rinses his mouth without putting his finger in his mouth, because the Prophet (peace and blessings of Allah be upon him) used to rinse his mouth with his finger? Is this report about him (peace and blessings of Allah be upon him) saheeh?
Answer
Praise be to Allah, and blessings and peace be upon the Messenger of Allah.
Source:
Fataawa al-Lajnah al-Daa’imah, 5/208
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