Online Banking Accounts - First Internet Bank - Online and Mobile Banking

"I highly recommend First IB. I have been a customer of First IB for 10+ years. Very good customer service and excellent rates."

- David M, New Jersey

Bank accounts that go where you go.

Whether you’re on the road or just out on the town, our online bank accounts move with you through all of the changes life throws your way. Without a branch network to weigh us down, we can offer great rates and low fees – with all of the free online and mobile banking tools you would expect to help you make smart financial choices.

Read More
With checking accounts that make your day-to-day spending and budgeting less stressful, CDs with great rates without the risk, and vehicle loans that will have you chasing sunsets in a new RV, First Internet Bank has services designed to meet your needs. Let us show you how.

Personal Banking Services

Everything you need, nothing (like branches) you don’t.

  • Checking & Debit

    Checking & Debit

    Everyday banking with convenient debit card access

  • Savings & Money Market

    Savings & Money Market

    FDIC-insured savings accounts that pay competitive interest

  • Savings for Kids

    Savings for Kids

    Simple and tax-advantaged options for your little ones

  • CDs


    Save safely with high-yield interest rates

  • IRAs


    Traditional and Roth IRAs with no annual fee

  • Credit Cards

    Credit Cards

    Tight integration with your First IB accounts, no annual fee

  • Health Savings Accounts

    Health Savings Accounts

    Save for your qualified medical expenses

  • Personal Loans

    Personal Loans

    Financing solutions for many of your personal borrowing needs

  • Student Loans

    Student Loans

    Bridge the gap between federal loans and the cost of college

  • Vehicle Loans

    Vehicle Loans

    Loans for new or used autos, RVs, boats, motorcycles, horse trailers

Personal Banking FAQs View All FAQs


How are interest rates determined?

Interest rates fluctuate based on a variety of factors, including inflation, the pace of economic growth and Federal Reserve policy. Over time, inflation has the largest influence on the level of interest rates. A modest rate of inflation will almost always lead to low interest rates, while concerns about rising inflation normally cause interest rates to increase. Our nation’s central bank, the Federal Reserve, implements policies designed to keep inflation and interest rates relatively low and stable.


Am I ever required to take distributions from my Traditional IRA?

Traditional IRA distributions become mandatory beginning in the year that a Traditional IRA owner turns age 70½. These mandatory distributions are called required minimum distributions (RMDs). IRA owners must begin taking RMDs by April 1 of the year following the year they turn 70½. These distributions are based on the IRA balance divided by the applicable distribution period. Because IRAs were created to provide income during retirement—not to be a tax shelter— IRA owners failing to take their RMDs are subject to a 50 percent excess accumulation penalty tax on the assets that should have been distributed but were not.


How can I avoid paying fees for my everyday banking needs?

If you thought Free Checking was just the stuff of urban legends, or that you have to keep thousands of dollars in your account to avoid a fee, this will make you a believer: First Internet Bank offers a Free Checking account with no monthly maintenance fee and free debit card access. If you can keep an average balance of just $500, take a look at our Interest Checking account, which comes with some nice extras like ATM fee rebates and free online bill payment.


How can your rates be so good?

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? First Internet Bank is a pioneer in the “direct banking” model. We’ve been around since 1999. Without a costly branch network, we pass our savings on to you in the form of great rates and low fees. 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. When you have a question, an experienced Relationship Banker is here to help – by phone, email or online chat.


How do I make deposits to my personal account?

In today’s wireless world, you no longer have to make deposits in person. First IB offers multiple ways to deposit your funds. Learn more in this brief video.

How Can We Help?


It's Different Here!