FAQ

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Bill Pay

How do I activate bill payment service?

If you have a First Internet Bank personal account, you are eligible to sign up for bill payment. Please note that you are required to complete a separate application to use the bill payment service. To enroll, log in to your online banking account, click Pay Bills and follow the on-screen instructions. The enrollment process takes approximately 2-3 business days. You will receive an email letting you know when you may begin using the system. At that time, you may add your payees (billers).

Are there any limits on bill payment transactions?

Bill payment transactions may not exceed $99,999.99. There is not a limit to the number of payments you may initiate each month.

What happens if my account does not have sufficient funds to cover a bill payment item?

Payments are initiated before our bill payment processor attempts to debit your account for the amount of the payment. It is your responsibility to ensure you have sufficient funds available in your account to cover the amount of any payments you initiate. If your account does not contain sufficient funds to cover the payment, any overdraft protection you may have on the account will be used. If you still do not have enough funds to cover the payment(s), you will be charged a fee for insufficient funds (NSF).

Our bill payment processor may make additional attempts to withdraw the funds from your account. You risk additional fees for NSF and/or collections as well as suspension or termination of your bill payment service if you do not maintain sufficient funds to cover the transactions you initiate.

When does First Internet Bank debit my account for a bill payment transaction?

The date on which payments will be debited from your account depends upon the payment method. For payments that are made by corporate check or electronically, your account will be debited on the scheduled payment date. Payments that are issued by laser check will be drawn on your checking account on the day the check clears. The check will usually clear on or after the payment due date you had entered.

Please remember, it is your responsibility to ensure there are sufficient funds available in your account to cover the payment, regardless of the payment mechanism. If your account does not contain sufficient available funds, you will be charged a fee, and your bill payment service may be subject to cancellation.