FAQ

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Security

Will my online banking password ever expire?

Your online banking password does not expire. But if you want to change it, you can update it yourself at any time in My Settings. In the Login & Security section, click Edit next to Password. Update your password and click Save.

I received a call on my cell phone, telling me my card has been deactivated. I was asked to provide my card number, expiration date, and CVV code in order to reinstate the card. Is this legitimate?

This is a scam! It is widely believed that these scammers have obtained cell numbers from some source that sells cell numbers and are playing the odds that you (the owner of the cell phone) will own a debit, credit or pre-paid card.

When criminals use the phone to solicit your personal information it is called ‘vishing’ and is considered a social engineering attempt. The scammer plays upon your fear to extract information that will be of use to the scammer.

Other ways scam artists may try to get your information from you include ‘phishing,’ which occurs when a criminal uses the Internet (typically email) to solicit confidential information, and ‘smishing,’ which occurs when a criminal uses text messages to lure you into giving up personal information.

In the event your First Internet Bank credit or debit card is blocked due to suspicious activity, we will contact you by phone or email. We will clearly indicate that we are contacting you on behalf of First Internet Bank. If you believe you have been the victim of a social engineering attempt, please contact a First Internet Bank Relationship Banker at 1-888-873-3424 so we can help you restore the confidentiality of your information.

I’m nervous about providing personal information online. Is this site secure?

We use leading-edge technology to ensure that all customer information is safe. We protect our customers by using a combination of security measures that are among the best in the e-commerce industry. All customer information is encrypted using Secured Socket Layer (SSL) technology supported with digital certificates. This means that loan application information is safe and secure as it travels over the Internet. We use leading firewall and network security technology to protect our internal computer systems from unauthorized access. Our customers can be confident that personal information is completely safe and private during the application process and beyond.

How secure is text message banking?

Our text message banking service is secure. Activate the service by logging in to your online banking account. Click Additional Services and select Mobile Banking. Enrolling requires you to enter your cell phone number and then confirm an activation code we send to that phone, to help us verify that the phone belongs to you. Should you misplace your phone, you can rest easy knowing text messages from this service will never contain confidential information about you or your accounts. Messages will never contain full account numbers.

What are the requirements for my online banking password?

Your online banking password ensures that only you can access your confidential information. Your password must more than six characters, is case sensitive, and must contain a mix of letters, numbers and special characters (!@#$ etc.), but cannot contain spaces. Please remember this password and keep it secure. If you forget your password, you will have to be reset.

Your password is one of the most important defenses you have for protecting your account information! Here are some tips for choosing (and protecting) a strong password: Try to memorize the password, and avoid writing it down. Mix letters, numbers and symbols, and use case sensitivity (upper and lower case letters). This makes it harder to ‘crack’ your password. Find a good way to remember it. For example, choose the first letters of a sentence that you will remember. ‘I have 2 dogs called Rover and Fido’ translates to Ih2dcRaF. Use punctuation to your advantage.

Also, avoid using:

  • The name or birth date of your spouse, child, pet or other loved one
  • Social Security or phone numbers
  • Any part of your physical address
  • Other information that is easily obtained about you (your alma mater, mother’s maiden name, or past address, for instance)
  • Any username on the computer in any form
  • A word in the English or foreign dictionary
  • A password used on another site
  • Any of the above spelled backwards
  • Sequences: “12345678,” “abcdefg” or passwords that could easily be advanced: “January2015,” “February2015,” “March2015,” etc.

Above all… Do not share your password with anyone! The employees of First Internet Bank do not need your online banking password to answer your questions or troubleshoot your account.

 

I received an invitation to participate in a First Internet Bank survey, but the link is to another site. Is this a legitimate email? Is it safe to click the link?

First Internet Bank periodically invites customers to participate in surveys hosted by third parties, to help us analyze how we can serve our customers more effectively. If the email you received from us includes a link to SurveyMonkey (www.surveymonkey.com), it is a legitimate email and is safe to follow the link. The surveys do not contain any questions asking you to identify your account numbers or personal financial information. As a general practice, First Internet Bank encourages customers never to click on a link in an email and then provide confidential information, as this is how many phishing attempts succeed. For more information on protecting your identity, please visit the Privacy & Security section of our website.

How is my security and privacy protected with funds transfer?

We’re committed to maintaining the privacy, security and integrity of the financial and personal information you share with us, and we take every precaution to do so. We’ve designed multiple levels of security to protect your information from loss, theft, unauthorized access, modification and disclosure. And we make sure that our security measures conform to all applicable federal, state and local laws.

Sensitive information, such as bank account numbers, is encrypted with state-of-the-art encryption software. For a full description of the care we take in this area, please see our Security Policy. Our security procedures also include extensive in-house privacy measures. We place your personal and financial information on a secure portion of our website. Your user login name, password and all information pertaining to your individual accounts, remains encrypted. Always. Neither our software, nor any of our employees can decode this information. Please see our Privacy Policy for more details.

How do you verify my identity and my account information to prevent fraud?

We employ a two-tiered verification system to ensure your accounts are secure. When you sign up for the funds transfer service, First Internet Bank confirms your identity and the accounts held at First Internet Bank. After accepting the terms of service, you can start using the funds transfer service. Occasionally, we’re unable to register you successfully because of incomplete information received from your outside financial institutions. If this happens, you will have a chance to provide this information. Before activating the accounts you hold at outside financial institutions, we’ll verify each one with that specific financial institution. This takes a little more time, but it’s part of the care we take to maintain your privacy and the overall integrity of the payment network.