FAQ

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Checking

During the enrollment process, I was asked for my checking account number. I have more than one checking account with First Internet Bank and would like to use them all to pay bills. Can I pay bills from more than one checking account?

Of course! During the enrollment process, you’ll be asked for only one account number. You should select the account you consider to be your primary account. Then, contact a First Internet Bank Relationship Banker at bank@firstib.com or 1-888-873-3424 and ask to add your other checking accounts to your bill payment service. You may add any checking account on which you are a primary or joint account holder.

How do I activate overdraft protection for my checking account?

You will have the opportunity to request overdraft protection on your account application when you open a new First Internet Bank checking and/or savings account. Please specify how you would like the accounts to be linked if you have more than one checking and/or savings account. If your accounts are already open, contact a Relationship Banker at 1-888-873-3424 for assistance.

If you would like to be considered for an overdraft line of credit, you will have the opportunity to apply for it through the checking account application. An overdraft line of credit is subject to credit approval.

If your checking account is already open but you did not ask to be considered for an overdraft line of credit with your account application, you may make the request through the online banking site. Log in to your online banking account, click Additional Services, select Open Deposit Accounts, choose the Overdraft Line of Credit for existing checking option from the drop-down menu and click the Proceed button to advance to the online application. Complete and submit the application electronically. Once the application has been submitted, print, sign, and return the confirmation screen to us via fax at 1-888-644-8678. You will receive a decision within two business days.

How do I close my checking or savings account?

If you have another account with First Internet Bank and wish only to close one account, you may transfer the entire balance of the account you wish to close to your other account. Or, if you have an ATM card, debit card or checks for your account, you may withdraw the entire balance of your account.

Important note: Withdrawing the funds in your account will not close the account. To close the account, please submit a written request with your name and the last four digits of your account number. An authorized account holder must sign the request. Email the request to bank@firstib.com, fax it toll-free to 1-888-644-8678 or mail it to:

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

We will send the balance of your account in the form of a bank check.

Are there any fees associated with using the bill payment service?

Fees for bill payment depend on the type of account you have.

Interest Checking: no monthly fee, no per-transaction fees
Free Checking: no monthly fee, unlimited transactions
Business Checking: no monthly fee, unlimited transactions

Please be aware that certain other fees, such as fees for non-sufficient funds (NSF) or stop payment requests, also apply and will be charged according to our then-current fee schedule.

Can I view copies of my cancelled checks online?

Images of the front and back of checks you have written from your First Internet Bank checking account are available through the online banking site for a period of 36 months. Note: Please allow up to 10 days after the check clears for the image to become available online. To view your cancelled checks in online banking, click Additional Services > Bills, Statements & Tax Forms. Select your checking account and use the Search tool to view your check. You may also request a copy of a check that is older than 90 days for a $5 fee. To request a copy of a check, log in to online banking and click Additional Services. Please allow up to one week for receipt.

How do I order checks for my Interest Checking account?

For new customers with Interest Checking accounts, we will order an initial supply of checks for you. You will receive your checks approximately 10-14 days after receiving confirmation that we have opened your account. You may order additional personal checks at any time through the online site banking by clicking Additional Services > Check Reorder. You are not required to order checks through our website and may order checks from another source if you prefer.

How do I order checks for my business checking account?

The check catalog in our online banking system offers personal check styles only. You may order business checks through Deluxe by calling 1-800-328-7205, from 7:30 AM to 8:00 PM (Central time).

Please note: You are not obligated to order checks through Deluxe and may order checks from any other source if you prefer.

How do I stop payment on a check I wrote?

You can submit a real-time stop payment request for a single check or for a range of checks through online banking. Log in to your online banking account, click Additional Services and select Stop Payment on Check. Your account will be charged $30 at the end of the day you submitted the request. The stop payment order will be in effect for six months from the date you submit the request, unless you tell us to cancel the order.

If you do not have access to our online banking system, please print and sign our Online Banking Access Agreement, then return the form to us by email at bank@firstib.com or toll-free fax at 1-888-644-8678. Within two business days, we will send you an email with the information you need to access your account online.

How is First Internet Bank different from a traditional bank?

In some ways, First Internet Bank is very much like a traditional bank. We offer a full range of banking products and services (checking, savings, credit cards, CDs, mortgages, commercial loans and more). But the most obvious difference between First Internet Bank and traditional banks is that we don’t have any branches. Without a costly branch network to support, we have lower operating costs than traditional banks — and we pass those savings on to our customers in the form of better rates and lower fees!

If you’re wondering how to make a deposit without a branch, there are multiple options for making deposits to your account. You may also be wondering how you get access to your accounts to manage your money. We’ve built an extremely powerful website that puts account information and transactional capabilities at your fingertips.

With our online banking site and mobile app, you can complete online (or on your phone) most of the transactions that traditional banks make you complete in person at the branch. And you’ve already found the “DIY way” to get answers to any questions you may have — the FAQs on our website! But for those questions that require a personalized response, our team of professional, knowledgeable Relationship Bankers are available (outside of typical “bankers’ hours”) to assist you by phone at 1-888-873-3424, chat or email at bank@firstib.com.

Can I deposit a third-party check (one that was originally payable to someone else) in my account if they sign it over to me?

No. All checks must be originally made payable to an account owner to be eligible for iScan. Please refer to the iScan User Agreement for other types of items that are ineligible to be deposited using the service.