FAQ

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Checking

On what basis are debit card purchases approved?

When you withdraw cash at an ATM or make a purchase using your First Internet Bank debit card, the transaction is approved or declined based on available funds in your primary checking account at that very moment. Funds you may have in other accounts with us, including savings accounts or overdraft lines of credit, are not factored into the approval decision. If you have enough available funds in your primary checking account to cover the purchase, we will approve the transaction.

My husband and I share a checking account but have unique user IDs to access our account online. When I log in using my user ID, I can’t see the payments he has set up. When he logs in using his user ID, he cannot see the payments I have set up. I’m worried we’ll pay the same bill twice. Is there anything we can do to see each other’s payments?

Bill payment service is tied to your user ID, not to the checking account you share. Therefore, you will only be able to see the pending payments you have set up yourself, and the joint account holder will only be able to see the pending payments he/she set up. For that reason, many of our customers using bill payment find it is preferable to designate one user ID for bill payment services.