For a quick answer, use our handy search tool or browse answers by category. If you still can’t find the answer you need, let us know how we can help!​​​​​​​

Mobile Banking

I have tried to register for text message banking through the online banking site, but I never receive the activation code.

You may try re-sending the code to your phone through your online banking account. Go to the same page where you went to register the phone and click the link to have the code sent to your phone again. If that doesn’t work, please check with your carrier to verify that your phone and plan are enabled to send and receive both SMS and MMS messages. Also confirm with your carrier that your phone and plan are enabled to receive messages from short codes. Some carriers will block these, either at your request or based on your plan. First Internet Bank text message banking notices, including the activation code, will be sent from a short code (454545) rather than a 10-digit phone number.

What information can I get through text message banking?

You can check your account balances and review the last five transactions on the account you designate as your ‘primary’ account during setup. The keywords are:

  • BAL = primary account balance
  • BAL CHK = balance for all checking accounts
  • BAL SAV = balance for all savings accounts
  • BAL ALL = balance for all accounts, including loans
  • LAST = last five transactions on your primary account
  • HELP = help on keywords
  • STOP = deactivate text message banking

Keywords are NOT case sensitive.

How do I deactivate the text message banking service?

Reply with ‘stop’ to 454545 on your activated cell phone, or return to the Mobile Banking page in your online banking account and click the deactivate link next to your mobile device number. Your phone will no longer receive any text messages from Mobile Banking. You can add a new phone through your online banking account at any time if you change your mind later.

What is the charge for text message banking?

First Internet Bank won’t charge you, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you aren’t sure whether fees apply when you send and receive text messages.

Does First Internet Bank offer a mobile banking app for my smartphone?

Yes! The First Internet Bank mobile app is available for iPhone, iPad and Android phones. You can download the app for FREE at the iTunes App Store or Google Play.

Is mobile banking secure?

Yes, mobile banking uses 128-bit SSL encryption, just like our online banking site.

I would like to use mobile banking. How do I get started?

First Internet Bank offers three options for mobile account access: Apps for iPhone, iPad, and Android phones. Download the app for free at the iTunes App Store or Google Play.

You can also access our mobile banking service using any Internet-enabled mobile device. Log in to mobile banking at using your online banking user ID and password. You will be prompted to answer security questions when you log in. (If you would like to avoid these questions on future logins, follow the link to add extra security to your device once you are on the Accounts screen.)

There is no charge from First Internet Bank to use our mobile banking service. However, you may be charged mobile web access rates by your wireless carrier. Check with your service provider for details on specific fees and charges. Bill payment usage fees may apply, depending on the type of checking account you have with First Internet Bank.

The third option for mobile access is text message (SMS) banking. If you can send and receive text messages using your mobile phone, you can get your account balance(s), review your most recent transactions and even transfer funds from your phone. Register through your online banking account. Click Additional Services and select Mobile Banking to get started.

What if iScan will not accept my item?

Unfortunately, not every item will meet all criteria for iScan Deposit service. In these cases, please deposit the item via a local ATM that accepts First Internet Bank deposits or mail the item to us using one of our free, postage-paid deposit envelopes. To order more deposit envelopes through your online banking account, click Additional Services and select Request Deposit Envelopes. You can also contact a Relationship Banker at or 1-888-873-3424.

Note: You can also deposit checks using the First Internet Bank mobile app on any iPhone or Android phone.

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.