FAQ

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Debit Card

Can I get adebit card with my First Internet Bank account?

Absolutely! A debit card is available with any First Internet Bank personal checking account. You may use your card to withdraw funds from your First Internet Bank account at any ATM displaying the PLUS symbol. You may also make a purchase using your First Internet Bank debit card at any merchant that accepts VISA. The funds will be deducted from your checking account. If you already have an account and would like to request a card, please call us at 1-888-873-3424.

When I attempt to use my debit card, should I choose debit or credit when prompted?

The answer depends on the type of card you have. If you swipe the card’s magnetic stripe, you may choose either option. If you choose credit, you will be asked to sign for the transaction. If you choose debit, you will need to enter your PIN. Some merchants will allow you to get cash back with no surcharge when you choose the debit option.

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.

What should I do if I want to make a debit card purchase but don’t have enough funds in my account?

If the amount of your purchase exceeds the available balance in your primary checking account, you can transfer funds (using telephone, online or mobile banking) from another account you have with First Internet Bank, including a savings account or overdraft line of credit account. Most transfers happen in real-time (instantly), so you can be approved for the purchase.

Please note: There is a six transaction limit on the number of withdrawals you can make against a savings account in one calendar month.

If a debit card purchase overdraws my account, will I be charged a fee?

Effective July 1, 2010, one-time transactions that overdraw your account will not cause an overdraft fee to be charged against your account. However, you may be charged an overdraft fee, at the bank’s discretion, if other transactions overdraw your account. Other transactions include recurring debit card transactions (such as subscriptions or membership fees that are automatically charged to your debit card on a regular basis), other electronic withdrawals (ACH), bill payment items, and checks you write.