Hi. We’re the bank that goes where you go.

Whether you’re on the road or just out on the town, First Internet Bank moves 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 online and mobile tools you would expect to help you make smart financial choices.

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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

  • 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 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 Banking Specialist 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!


Save Money on Your Mortgage!

Get Your FREE Custom Rate Quote in 3 Simple Steps


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Save Money on Your Mortgage!

Get Your FREE Custom Rate Quote in 3 Simple Steps

Highly likely to recommend

Seamless Experience - John, Arkansas

“I found First IB online. I was a little skeptical at first, but I couldn't have been more wrong! We were moving from MI to AR, working with a different realtor on each end, and First IB made the purchase of our new home seamless. The...mortgage we received is piece of mind for the future and we couldn't be more satisfied with the service... “

Highly likely to recommend

Worked Around My Schedule - Sean, Missouri

“My experience with First Internet Bank was amazing. Everything was done as quickly as possible and there was help every step of the way. I was busy traveling for work and they were able to keep me updated and work around my schedule. I would highly recommend First Internet Bank.”

Highly likely to recommend

Best Lender Experience - Ryan, Arizona

“This was the first time I've used an online lender and I would definitely use First IB again...The local lenders warned that I wouldn't get personal service using an online lender and warned me against it. I'm glad I ignored them because my experience was one of the best I've had with a lender. I wouldn't hesitate to use this lender again!“

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Thanks for your request from First IB

Thanks for requesting a rate quote from First Internet Bank! We will contact you shortly to provide your personalized rate quote and one-on-one consultation.

To speak with a mortgage expert immediately, call us toll-free at 1-855-707-2775. You can also check the latest rates on our website.

We look forward to speaking with you soon!

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