First IB Home > Personal Accounts > Checking Accounts

	Interest Checking	Free Checking**
Open Account with as little as	$100	$25
Pays Interest	When you maintain an average daily balance of $500 or more Currently 1.00% APY*	Does not pay interest
Monthly Maintenance Fee	$10	none
Balance to avoid fee	$500 average daily balance	none
ATM Surcharge Rebate	Up to $6.00 per month	none
Bill Payment	Free, unlimited (optional enrollment)	$4.95 per month (optional enrollment)

All checking accounts include a free first order of checks, debit card, free online banking, mobile banking, and telephone banking access, optional overdraft protection, multiple ways to make deposits, and free electronic statements. To help you plan, manage, and budget your personal finances, First IB also offers FinanceWorks at no cost through the online banking site.

Checking Account Fees

Checks (after first order)	Cost based on selection
Non-Sufficient Funds	$30.00 per occurrence
Overdraft Fee	$30.00 per item
Uncollected Funds Fee	$30.00 per item
Photocopies:
Checks	$5.00 per copy
Statements	$3.00 per copy
Please also refer to the schedule of Fees Common to All Personal Accounts

* APY = Annual Percentage Yield
** First Internet Bank of Indiana is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2009, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

Rates last updated 06/12/09. Rates are subject to change on any day and will be updated by 10 AM Eastern. Please be sure to check this page after 10 AM Eastern for the rate that will be honored today. Fees may reduce earnings on account. The period used to calculate interest is monthly. The period used to calculate average daily balance is monthly.