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.