first internet bank login

Login. Forgot Login? FDIC. Equal Housing Lender. Javascript appears to be disabled. Enable javascript and refresh the page to access online banking. Founded in 1999, First Internet Bank of Indiana has become a unique bank which does not have branch locations. It majorly relies on technology to serve its. Login using your Customer ID or Debit Card number. · Select Payments > Transfer Funds · Select Add New Payee for first-time transactions · Enter details and. first internet bank login

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This summer, as part of our Finovate Fintech Halftime Review, we helped make the case for the U.S. midwest as an under-recognized source of fintech innovation.

Today, our conversation with Nicole Lorch of the First Internet Bank is a reminder of what “America’s Heartland” has to offer in terms of leveraging technology to make online banking a reality for small businesses and families. Founded in 1999 and headquartered in Indiana, First Internet Bank was the first state-chartered, FDIC-insured financial institution to offer exclusively online banking services. At the same time, First Internet Bank has continued to emphasize the importance of personal connection and service to the community.

We caught up with Ms. Lorch recently to talk about First Internet Bank, the evolution of online and digital banking, and her goals as the institution’s new President and Chief Operating Officer.

You joined First Internet Bank as Director of Marketing at its launch in 1999. How has the idea of an “Internet bank” changed over the years?

Nicole Lorch: At the time of our launch, we operated as a direct-to-consumer bank with a fairly standard lineup of products: checking, savings, CDs, and credit cards.

While we actually were the first state chartered, FDIC-insured bank to operate entirely online, a number of competitors quickly emerged.  However, many of them couldn’t make it work or were absorbed into another entity:

  • Compubank (Acquired by NetBank)
  • Netbank (Closed by OTS, 2007)
  • Wingspan Bank (Closed by its parent, BankOne, in 2001)
  • ING Direct (Divested U.S. operations, sold U.S. relationships to Capital One)
  • Security First Network Bank (Acquired by Royal Bank of Canada)
  • Telebank (Acquired by E*Trade)

Even with our early successes, many industry pundits believed that moving to more complex banking services, like mortgage and real estate lending, could not be done on a direct-to-consumer, nationwide basis. While we considered ourselves trailblazers in the new world of digital banking, it was critical that first internet bank login created processes that allowed us to function in a sustainable, repeatable, and compliant way. As a result, we webster first federal credit union fitchburg able to efficiently – and profitably – become leaders in lending.

Imagination has always been fundamental to our existence.  Our innovative approach to banking has continued to play an essential role in the development of First Internet Bank – and with it our ability to build a national lending platform with digital DNA behind it.

How has the challenge of educating the public about the Bank’s offerings changed from a time when there were very few if any “Internet banks” to now when the idea is more commonplace?

Lorch: One thing is certain: it is much easier for people I meet to wrap their heads around the concept of a branchless bank now than it was 22 years ago! The world has changed, and consumers have adapted and embraced the digital realm. From shopping and ordering food to conducting financial transactions, it’s all available instantly at our fingertips. But we need to remember, this is a very human business, not one that should be labeled “contactless.”  We still pride ourselves in delivering the personal service our customers deserve.

Consumer demand and the way people want to access their money has moved in the direction we predicted: more electronic transactions, fewer cash-based transactions … with so few paper checks these days.

What are your first priorities as President and Chief Operating Officer?

Lorch: My new role with First Internet Bank is evolving. But our strategic agenda remains unchanged – which is good for our team because we move fast and get a lot of things done!  We continue to concentrate on improving the customer experience by creating new solutions that foster greater efficiency and ease of use, strengthening our existing business and personal banking relationships, and diversifying our revenue streams. We have a great team that responds first internet bank login challenges head-on, which makes achieving all our priorities much easier.

What are some of the bigger challenges that financial institutions like First Internet Bank are facing right now?

Lorch: Disruptive fintechs will continue to challenge our industry, bringing with them new consumer expectations and innovation. Fintechs have the ability to disrupt four primary categories of any traditional bank’s business: market roundpoint mortgage servicing payment, margins, information security/privacy, and customer churn. However, financial institutions still maintain a greater sense of consumers’ trust. 

Many fintechs do not face the same regulatory demands that chartered, insured depositories do, nor do they face the shareholder expectations of a publicly-traded company.  Having a leaner virtual operation, more flexibility through not being what restaurants are open near me today on thanksgiving as a deposit-gathering institution and, in many cases, significant venture capital cash allows fintech startups to attract customers with competitive pricing and to move in a more nimble fashion when market conditions dictate. 

We must continue to evolve and look for opportunities where they exist, to meet the changing demands of consumers.  There is, however, one important area where we can continue to win: by providing great, high-touch (human) service that backs up our customer-facing technology.

What do your small business customers need most from First Internet Bank? And what kind of help do your retail customers most frequently request? 

Lorch: Our customers need us to be creative. Sometimes they think they need a line of credit when they really need a term loan. Sometimes they think that they need a conventional product, when they need an SBA loan. We listen to their needs and customize our responses to their situation, instead of talking at them or selling them something they don’t need or want. If we can’t help them, we go so far as to make introductions to other financial institutions that can help them.  

Most importantly, we have always believed that customers need surety of execution and respect for their time. On a loan request, a fast “no” is better than a long, drawn out “maybe.” Whether they are buying a business or a home, they need to know they can count on us to get them to the closing table – and closed – on time.

What of the popular enabling technologies have been most effective in helping First Internet Bank grow its top-line and better engage customers?

Lorch: AI allows us to leverage the data we have to acquire new customers as well as enhance our relationship with existing ones by identifying and offering products, services, features, and partnerships better tailored to their evolving needs. It also assists in fraud prevention.

APIs allow us to extend our platform and rapidly integrate new features, partnering with best-in-class service providers to create a robust, constantly-improving user experience while limiting the burden of legacy technologies and in-house coding.

What are some of the bigger initiatives the bank is pursuing this year?

Lorch: The last eighteen months have really tested our nation’s small business owners. We are poised to help entrepreneurs rebound and accelerate their growth. The pandemic pulled forward consumer acceptance of digital delivery of services by several years. We have a small window, albeit brief, to capitalize on the opportunity to layer our more than 20 years of direct-to-consumer know-how, with a next-generation user-interface, to give consumers a better way to bank.

We are growing our small business lending team while we overhaul the customer experience and our back office processes. It’s like flying the plane while we’re tuning the engine and refurbishing the cabin, but it’s necessary to ensure that our customers receive the level of service they expect from us.

Photo by Allan Mas from Pexels


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First Internet Bank

Company Description

What can we do for you today? Easy: Higher deposit rates, real-time transaction processing, flexible account options and great service! How do we do it all, you ask? Well, in this day and age it seems like the whole world is moving online. But we were one of the first, opening our virtual doors over ten years ago. We’ve had plenty of time to master the business of online banking, and we’re passing the benefits on to you!

Comprehensive Collection of Products and Services
First IB operates over the Internet, which means we don’t have a costly branch network to support. So you get all the tools and resources you’d expect from a brick-and-mortar bank, complete with better rates, lower fees, and convenient online account access!

Real-Time Transaction Processing
Most banks today still rely on batch processing, so transactions are not reflected until the following day. But First IB’s operating technology allows us to offer real-time transaction processing and fully-integrated accounts.

Great Service
If you’d like, chat with any of our excellent customer service representatives. But in truth, you may never need them! The way we see pirates of the caribbean at worlds end davy jones death, the bank of america credit card student review service we can provide our customers is a problem-free banking experience. So you can use our site to do anything you need—pay bills, order checks, change a mailing address, request a wire transfer, set up ACH transfers, redeem a CD, purchase a new CD, and much more. Member FDIC, Equal Housing Lender.


First Internet Bank



-Game changers.


-Mover and Shakers.

From our founding,  First Internet Bank has been leading with innovation.  We opened our virtual doors in 1999 and we’ve grown from our CEO’s idea to a full-service bank with customers nation-wide and assets of more than $1 billion.  As it says in our name,  we were the first bank to operate completely on the Internet.  Today,  we’re still making history and having a lot of fun in the process!

It takes a village

First Internet Bank is full of talented,  imaginative,  hardworking folks who enjoy being a part of something meaningful —  and we’re always looking for more go-getters to add to our team!  Our interns and employees come from diverse backgrounds and reflect a blend of proficiencies that help create an effective,  dynamic working environment throughout our business areas including:

  • Customer Support
  • Operations
  • Finance
  • Marketing
  • Information Technology
  • Consumer and Commercial Lending

 We’re not the buttoned-up type

Despite the impression some people have of an Internet company,  we don’t get to work at home in our sweatpants.  We are bankers,  but we’re more likely to be dressed casually than constrained by an expensive suit and uncomfortable shoes.  Even our newly-constructed office in Fishers,  Indiana reflects a relaxed,  energetic atmosphere.  You’ll see local artwork first internet bank login on first internet bank login walls,  an on-site 24/7 fitness facility,  and even an outdoor picnic area to enjoy!  It’s not uncommon to be invited to participate in community service activities,  pitch-ins or other social events that provide opportunities to interact with employees,  both inside and outside of the office.

Everything but lollipops

We offer everything you’d expect from a traditional bank,  but we do it all online.

  • Consumer and small business banking
  • Commercial real estate lending
  • Commercial banking
  • Residential mortgage
  • Consumer lending

As an Internet bank,  we don’t have the expensive overhead of traditional banks,  so we’re able to pass those savings on to our customers in the form of competitive rates and lower fees.  Our customer-centric digital banking solutions also allow anytime,  anywhere access —  customers use mobile and text banking to conveniently manage their finances wherever they go!

Not to brag,  but…

First Internet Bank has earned a number of awards over the years!  We’ve been honored within the banking industry,  recognized for our service to the community first internet bank login acknowledged as a great place to work.  We’ve been named:

  • Best Bank to Work For,  American Banker (three consecutive years)
  • Top Online Mortgage Originator,  Mortgage Technology Awards
  • Hot 500 Fastest Growing Business,  Entrepreneur Magazine
  • Essential (Bank)  Products and Services,  SmartMoney Magazine
  • Volunteer of the Year,  Gleaners Food Bank of Indiana
  • Top Workplace,  Indianapolis Star (three consecutive years)
  • Best Place to Work in Indiana,  Best Companies Group Indiana Association

Do you have what it takes?

We’re looking for self-starters with the aptitude to take initiative,  the ability to thrive in a fast-paced and entrepreneurial environment,  unquestionable integrity and a desire to help others.  If this sounds like you and you’re ready to become a part of our team,  we’d love to learn what you have to offer!  Visit to see our current openings.


First Internet Bank Review 2021: Full Service Online Banking From an Early Adopter

Reviews / Banking

GOBankingRates Score

Our Take: First Internet Bank of Indiana claims to be the first financial institution to us app store gift card online online banking. It has years of experience providing full-featured, low-cost banking services customers are happy with.

  • Breadth of Products
  • Mobile App and Digital Experience
  • Opening Deposit Requirements
  • Fees

How did we calculate this?


  • Free checking and savings accounts
  • Interest-bearing checking available
  • Full list of banking services including checking, savings, money markets, individual retirement accounts, CD accounts, loans and credit cards


  • No first internet bank login branches
  • Customer service representatives are not available around the clock

About First Internet Bank

First Internet Bank was founded in 1999 in Indiana. According to First Internet’s website, it was the first online bank insured by the Federal Deposit Insurance Corp. Years of experience in the online banking field means you have access to a full range of banking services, including checking, savings, business accounts, CD accounts, loans and mortgages.

In its yearly rankings, GOBankingRates has named it as one of the First internet bank login Online Banks of 2021. Additionally, GOBankingRates first internet bank login named First Internet Bank as one of the Best Savings Accounts, Best Checking Accounts, Best CD Accounts as well as Money Market Accounts of 2021.

First Internet Bank Products

A typical positive First Internet Bank review from a customer remarks on the number of banking services available. First Internet Bank of Indiana is an online one-stop shop for your personal finance needs. 

Checking Account
  • Up to $10 per month in ATM fees reimbursed
  • A free checking account with a $25 opening balance requirement
  • Interest-earning checking with $100 minimum opening balance requirement to earn 0.30% annual percentage yield
Savings Account
  • Free savings account with a $25 opening balance requirement 
  • Earns 0.25% APY
  • Up to $10 per month in ATM fees reimbursed
Money Market Account
  • Earns 0.50% APY
  • $5 monthly maintenance fee
  • Up to six transactions per month allowed
CD Accounts
  • Eight terms between three and 60 months 
  • 0.25% to 0.95% APY
  • $1,000 minimum opening deposit
Personal Loans
  • Auto and recreational vehicle loans, student loans and personal loans
  • Available in all 50 states
Credit Cards
  • Cash-back credit card
  • No annual fee
  • 3% cash back on gas and 1% on everything else
Home Loans
  • Mortgages
  • Home-equity loans and lines of credit
  • Construction loans

Take a closer look at First Internet Bank of Indiana‘s most popular everyday banking products.

First Internet Bank Checking Accounts Review

First Internet Bank keeps it simple by providing two different types of checking accounts: Free Checking and Interest Checking. Free Checking is a good starter choice for individuals who keep lower bank balances and want to avoid fees. You’ll only need $25 to open an account compared to Interest Checking’s $100. 

When evaluating which account to choose, consider that you’ll earn interest with Interest Checking, but you’ll be charged a $10 monthly maintenance fee. Make sure your monthly balance is large enough to offset the fee.


  • Easy-to-use website and banking app
  • High yield interest rate of 0.30% APY for Interest Checking accounts
  • Apple Pay-compatible debit card
  • GOBankingRates has ranked it as one of the Best Checking Accounts of 2021.


  • The choice between free and interest-bearing accounts
  • No ATM fees for Free Checking; $10 in reimbursed fees for Interest Checking
  • No charge for incoming wires, as well as the first order of checks or debit card


  • Cash deposits not available
  • Interest Checking monthly maintenance fee can’t be waived

Before you decide, compare First Internet Bank to other top checking accounts.

First Internet Bank Savings Account Review

First Internet Bank offers only one type of savings account for adults, but it may be all you need. There are no fees, and the interest rate of 0.25% APY is higher than what many brick-and-mortar banks currently offer.

The Tomorrow’s Tycoons account for children has a $100 minimum opening deposit but pays the same interest as the adult account.


  • Start with at least $25 to open an account ($100 for children’s account)
  • No monthly maintenance fees
  • GOBankingRates has ranked it as one of the Best Savings Accounts of 2021.


  • Free debit card with an adult account
  • Up to $10 per month in ATM fee reimbursements
  • Quick and simple to open


  • Limited to six transactions per month
  • A penalty of $5 per transaction if you surpass the transaction limit

First Internet Bank Money Market Account Review

The best money market accounts provide you with the flexibility to write checks and pay bills while earning savings rates. First Internet Bank’s Money Market Savings account pays you more than the bank’s regular savings product. You’ll earn 0.50% APY but need to maintain a balance of at least $4,000 per month to avoid the $5 maintenance fee.


  • Access to online and mobile banking
  • $100 minimum opening balance required
  • GOBankingRates has ranked it as one of the Best Money Market Accounts of 2021.


  • High-yield-savings interest rate of 0.50% APY on account with check-writing
  • Free debit card
  • Up to $10 per month in ATM fee reimbursements


  • A $5 monthly fee for monthly balances under $4,000
  • Limited to six transactions per month

First Internet Bank CD Accounts Review

If you have a lump sum of money you don’t need for a while, a CD will guarantee you a set amount of interest for the term of your choice. To earn the best CD rates, choose a longer term. First Internet Bank of Indiana’s CDs come in eight different term lengths.


  • Eight terms ranging from three months to five years
  • Rates of 0.25% on the 3-month CD, to 0.95% APY on the 5-year CD
  • $1,000 minimum deposit required
  • GOBankingRates has ranked it as one of the Best CD Accounts of 2021.


  • Eight terms to choose from
  • Competitive interest rates
  • No fees


Banking Experience

If you’re at ease with handling all your banking online, you’ll be pleased with what First Internet Bank has to offer. Even if you’re just getting started with online banking, the process should be pretty simple to follow.

Customer Service

There are no physical branches available, but customer service can be reached by phone at 888-873-3424, or via email at [email protected] Customer service hours are 7:00 a.m. to 9:00 p.m. EST on weekdays and 9:00 a.m. to 3:00 p.m. EST Saturdays.

Accessibility and Branch Availability

As First Internet Bank only provides online banking services, there are no branch locations available.

Mobile and Digital Experience

The mobile banking app and website are simply designed and easy to follow. View your account information in real time, deposit checks, transfer funds, pay bills and even use the app on your Apple Watch.

The most recent First Internet Bank mobile app reviews are:

  • Google Play: 4.4 out of 5 stars, 606 votes
  • Apple Store: 4.8 out of 5 stars, 522 votes

Security-wise, information can only be accessed through the mobile app when your phone is unlocked. First Internet Bank uses encryption to ensure that your privacy and assets are safe.

Convenience and Ease of Use

An online-only bank provides you with access chase positive pay your accounts 24/7. Also, First Internet Bank has tutorials available through the website’s blog so you can learn more about what features are available.

How To Open an Account

Opening an account online has been streamlined to be as fast and simple as possible. Accounts are available to legal U.S. residents ages 18 and up. You’ll need: 

  • Social Security number
  • Government-issued photo ID such as a driver’s license or passport
  • Bank account and routing information from your existing bank to send funds to your new account

Key Information

Customer Service Number: 888-873-3424

Customer Service Email:[email protected]

Routing Number: 074014187

First Internet Bank Fees

First Internet Bank has no fees for incoming wire transfers, your first check order or withdrawals, but there are other fees to look out for:

  • Monthly maintenance fees: $10 for Interest Checking accounts; $5 for Money Market Savings accounts, which can be waived with a $4,000 average monthly balance
  • Returned item fee: $20
  • Cashier’s check fee: $5
  • Outgoing wire transfer: $20 domestic, 50 international 
  • Overdrafts or uncollected funds: $30

First Internet Bank vs. Competitors

BankBest For
First Internet BankHigh-yield interest accounts
Wells FargoPhysical branch availability
ChaseCredit card products
Bank of AmericaLoan and mortgage options

First Internet Bank vs. Wells Fargo

Wells Fargo has over 7,200 locations, raising the odds that there is a physical branch near you. In contrast, First Internet Bank is online-only and best for customers who prefer a DIY approach to banking. 

First Internet Bank vs. Chase Bank

Chase Bank is well known for its suite of quality credit first internet bank login that range in function from travel to rewards to cash back. First Internet Bank only offers account holders one cash-back credit card, but its interest rate is significantly lower than the Chase cash-back card.

First Internet Bank vs. Bank of America

Bank of America is one of the largest lenders in the country, with $296 billion in loans issued in 2019. But it doesn’t offer free checking as First Internet Bank does.

Final Take

If you’d like to simplify your banking and handle all your money needs through one financial institution, First Internet Bank is a great choice. You’ll have access to checking, savings, credit cards and loans all in one place. Fees are low, and interest rates are higher-yield compared to traditional brick-and-mortar banks. Opening an account takes just a few minutes. Visit the account application page to get started.

Editor’s Favorite

The best part of First Internet Bank is the ease of use and navigation available through the website and mobile app. The website loads quickly and uses a clean white backdrop with minimal images and graphics. The knowledge base available through the search bar in the upper right-hand corner makes it simple to find the information you first internet bank login Internet Bank FAQHere are answers to some of First Internet Bank’s more commonly asked questions.

  • Is First Internet Bank FDIC-insured?
    • First Internet Bank of Indiana claims to be the first FDIC-insured internet bank. 
  • Can I bank with First Internet Bank if I am not from Indiana?
    • First Internet Bank is an online-only bank and is available to customers in all states.
  • What is the daily limit for ATM withdrawals?
  • What are the fees to use an ATM?
    • First Internet Bank does not charge ATM fees, but the owner of the machine might. Depending on the account type, you may be eligible for $10 in ATM fee reimbursements per month.
  • Does First Internet Bank offer free money for signing up for an account?
    • There are no First Internet Bank sign-up bonuses at this time. But you can still save money with First Internet Bank's high yields and low rates on credit cards.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Jan. 4, 2021.

This content is not provided by First Internet Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by First Internet Bank.

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About the Author

Cynthia Paez Bowman is a personal finance writer with degrees from American University in international business and journalism. Besides writing about personal finance, she writes about real estate, interior design and architecture. Her work has been featured in MSN, Brex, Freshome, MyMove, Emirates’ Open Skies magazine and more.


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