THE Easiest Bank Account to Open Online
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Business checking
Unlimited transactions, no minimum balance, monthly service fee or overdraft fees. This award-winning account does it all.
Business money market savings account
Is your money working as hard as it should? Better rates, lower fees. Start earning more.
SBA LOANS
As a top-ten SBA 7(a) lender, we provide access to affordable loans that serve entrepreneurs from coast-to-coast.
Commercial checking accounts
Ready to reach new heights? We provide customized solutions designed to help you soar.
Business CDs
| Term | Interest Rate | Annual Percentage Yield (APY) | Early Withdrawal Penalties | |
|---|---|---|---|---|
| 3-month CD | 3.10% | 3.14% | 90 days interest | Open Account |
| 6-month CD | 3.70% | 3.76% | 180 days interest | Open Account |
| 12-month CD | 3.61% | 3.67% | 180 days interest | Open Account |
| 18-month CD | 3.33% | 3.38% | 180 days interest | Open Account |
| 24-month CD | 3.25% | 3.30% | 360 days interest | Open Account |
| 36-month CD | 3.25% | 3.30% | 360 days interest | Open Account |
| 48-month CD | 3.40% | 3.45% | 360 days interest | Open Account |
| 60-month CD | 3.40% | 3.45% | 360 days interest | Open Account |
Open with as little as $1,000. Rates last updated 12/11/2025. Rates above apply to all balance levels and are subject to change on any day and will be updated by 10:00 AM EST. Please be sure to check this page after 10:00 AM EST for the rate that will be honored today. Interest is compounded and credited monthly. APYs assume interest remains on deposit until maturity. A withdrawal may reduce earnings. First Internet Bank does not issue monthly or annual statements for CD accounts. You have the option to use our online banking or mobile banking systems to get information about your CD. For additional information, visit our Disclosures page.
Personal Checking Accounts
Smartly manage your money with these award-winning, FDIC-insured accounts. Apply in minutes.
Personal Money Market Savings Account
This account ranks among the very best. Earn interest above the national average. Let’s go.
Cashback credit card
Earn money as you spend it. This card gives you 3% on any gas purchase and 1% on all others.
Personal CDs
| Term | Interest Rate | Annual Percentage Yield (APY) | Early Withdrawal Penalties | |
|---|---|---|---|---|
| 3-month CD | 3.10% | 3.14% | 90 days interest | Open Account |
| 6-month CD | 3.70% | 3.76% | 180 days interest | Open Account |
| 12-month CD | 3.61% | 3.67% | 180 days interest | Open Account |
| 18-month CD | 3.33% | 3.38% | 180 days interest | Open Account |
| 24-month CD | 3.25% | 3.30% | 360 days interest | Open Account |
| 36-month CD | 3.25% | 3.30% | 360 days interest | Open Account |
| 48-month CD | 3.40% | 3.45% | 360 days interest | Open Account |
| 60-month CD | 3.40% | 3.45% | 360 days interest | Open Account |
Open with as little as $1,000. Rates last updated 12/11/2025. Rates above apply to all balance levels and are subject to change on any day and will be updated by 10:00 AM EST AM. Please be sure to check this page after 10 AM EST for the rate that will be honored today. Interest is compounded and credited monthly. APYs assume interest remains on deposit until maturity. A withdrawal may reduce earnings. First Internet Bank does not issue monthly or annual statements for CD accounts. You have the option to use our online banking or mobile banking systems to get information about your CD. For additional information, visit our Disclosures page.
Contact Us
Always human. Never out of reach.
For a bank born online, we’re surprisingly human. Our relationship banking team is here to help answer your questions.
