FAQ

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Bill Pay

How do I activate bill payment service?

If you have a First Internet Bank checking 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).

How do I add a payee in bill payment?

Adding a payee (called a “biller”) is the first step in paying a bill. It may take a few minutes to enter your payee information the first time, but you’ll only have to enter it once! We’ll keep that information on file until you choose to delete it.

To add a biller, log in to your online banking account, click Pay Bills, select Add a Bill from the bill payment tabs, or go to the Payment Center to add a company or person.

You will need the following information to enter the payee information (all of this information should appear on your statement or bill):

  • The name of the biller (this might be the electric company or your neighbor Sue)
  • The address where your payment should be sent
  • The phone number to call with questions and your account number (if applicable)

Once you have entered all of the information and clicked the Add Bill button, you will be redirected to the Payment Center, where you can make a payment.

How do I change the name, address or phone number of a payee (biller)?

In the Pay Bills tab, click Manage My Bills. Choose the biller from the drop-down menu, then select Update Biller Information.

Please note: If you are receiving e-bills from a particular payee, you will not be able to edit any information about the payee. You must first cancel e-bills, then modify the payee record. At the end of the modification process, you will be prompted that your payee offers e-bills. You may then re-enroll to receive e-bills for that payee.

How do I pay someone through Bill Pay?

You must first set up your payees (billers) before you can begin making payments.

To pay one or more of your billers, click the Pay Bills tab. Enter an amount and a payment date for each biller you would like to pay. The payment date is the date by which you would like the biller to receive payment. Some billers can be paid on the same or next business day (look for icons to the left of the biller’s name); other payments must be set up at least four business days in advance. Use the calendar icon to the left of the Pay Date field to see the available dates on which payment can be made.

Please note: All of the payments you enter at one time must be debited from the same checking account. If you have multiple checking accounts with First Internet Bank and would like to make some payments from one account and the rest from another, you must enter the payments in two batches. When you click the Continue button, you will be presented with a confirmation screen. You must click the Confirm Payment button at the bottom of the confirmation screen, or your payment(s) will not be added.

How do I cancel my bill payment service?

If you wish to cancel your bill payment service but intend to leave your checking account open, please submit your request in writing. You may email the request to bank@firstib.com or fax us toll-free at 1-888-644-8678. If you prefer, you may mail the request to:

First Internet Bank of Indiana
PO Box 6080
Fishers, IN 46038

We will automatically cancel your bill payment service if you close your checking account.

How do I cancel a bill payment transaction?

To cancel a single (not recurring/repeating) payment, go to the Pending Payments area of the Payment Center in the Pay Bills tab and click the Cancel option that corresponds to your payment. You may only cancel payments that have not yet begun processing. You will be asked to confirm the cancellation on the next screen. If you do not confirm the cancellation, the payment will not be deleted.

To cancel a repeating (recurring) payment, go to the Pay Bills tab, choose the biller’s name from the drop-down menu, then select the option to Delete an Automatic Payment. Follow the on-screen instructions to delete repeating payments. You will be asked to confirm the cancellation. If you do not confirm the cancellation, the repeating payment will not be deleted.

Important Note: Deleting a repeating payment will usually cancel any payments in the series that you have scheduled. However, if a payment is about to begin processing or is already in process, it will not be cancelled by deleting the repeating payment. It is a good idea to go to the Pay Bills tab after you have deleted the automatic payment to verify that any scheduled payments in the series have also been cancelled.

I want my bill payment to go out as soon as possible. How do I pay ASAP?

Click the calendar icon next to the Pay Date field for your biller. This will show the possible dates on which the biller can be paid. Choose the earliest date. Some billers accept same or next business day payments. All others must be set up at least four business days in advance.

Can I pay bills through my business account if I am logged in to the online banking system using the user ID for my personal account?

If you are a primary or joint owner on both of your personal and business accounts, you may view both accounts and pay bills from both accounts when you log in to the online banking system. Be aware, however, that the customer information that appears on the payment we eventually issue depends on the user ID you use to log in. For example, if you log in to the online banking system using the user ID for your personal accounts, and during that session instruct us to make a payment from your business checking account, we will debit your business checking account for the amount of the payment. The payment itself, however, will have your name (not the business name, if different) on it. Occasionally, this creates confusion for some payees. We advise those who have personal and business accounts to use the corresponding user ID when paying bills to avoid this situation.

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.