First Internet Bank is a pioneer in the ‘direct banking’ model. We’ve been around since 1999. Without a costly branch network to support, we’re able to pass our 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, our experienced and friendly Relationship Bankers are happy to help – by phone, email or online chat. 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?