FAQ

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Common Questions

What is the routing number for First Internet Bank?

Our routing number is 074014187.

What is the mailing address for First Internet Bank?

Please send deposits, loan payments and other correspondence to:

First Internet Bank
PO Box 6080
Fishers, IN  46038

For overnight deliveries, please use our street address:

First Internet Bank
11201 USA Parkway
Fishers, IN  46037

Can I really bank without branches?

Yes! First Internet Bank has been around since 1999, and our thousands of customers across the country have discovered the benefits of banking without branches. Chances are, with direct deposit and ATMs, you probably don’t visit bank branches that often anyway — so why pay for something you don’t use? Without a costly branch network to support, we pass the savings on to you in the form of better rates and lower fees. Plus, we’ve loaded up our online banking site with tools and resources to help you manage your money more easily and make smart financial choices for your future. And when you have a question, an experienced Relationship Banker is here to help — by phone, email or online chat.

How do I make deposits to my personal account?

In today’s wireless world, you no longer have to make deposits in person. First Internet Bank offers multiple ways to deposit your funds electronically or through our mobile app.

When is the best time to lock in a mortgage rate?

Changes to mortgage interest rates are as hard to predict as the stock market. Nobody can really know for certain when they’re going to change or whether they’ll go up or down — and they may even change several times within a single day. If rates are on an upward trend, then you’ll want to consider locking the rate as soon as you are able. But before you lock your rate, talk to your Loan Officer for help in choosing the right rate lock period for your situation.

How quickly can you close my mortgage?

The time to close may vary depending on property and borrower circumstances, but we typically close the majority of home purchase mortgages and refinance transactions in 40 days or less. Speak with one of our experienced Loan Officers about your specific situation and we’ll work with you to meet your closing date.

What information do I need to set up Direct Deposit for my account?

Typically, you’ll need to provide the sender (your employer, for instance) with First Internet Bank’s name, our routing and transit number (074014187) and your nine-digit account number. Sometimes, the sending company may require that you provide a voided personal check as well as our phone number (317-532-7900). If the sender requires additional information, one of our friendly Relationship Bankers will be happy to help.

How are interest rates determined?

Interest rates fluctuate based on a variety of factors, including inflation, the pace of economic growth and Federal Reserve policy. Over time, inflation has the largest influence on the level of interest rates. A modest rate of inflation will almost always lead to low interest rates, while concerns about rising inflation normally cause interest rates to increase. Our nation’s central bank, the Federal Reserve, implements policies designed to keep inflation and interest rates relatively low and stable.