Online Checking Accounts

A bank that’s virtually everywhere with features that protect your most valuable asset, time.

open an account

A bank at your fingertips? Some say we were on to something when we started online banking more than 20 years ago.  At First Internet Bank, we give you everything you need and nothing you don’t. Online and mobile banking tools, bill pay, debit cards and Zelle….we check all the boxes.

Living your best life requires certain tools of the trade

  Mobile Banking

Secure banking always at your fingertips. And of course, deposit checks right from your phone with our app, available on Android or iOS.

  ATM Fees, Covered

Access your money, anywhere. Withdraw funds from any ATM and we’ll cover the fee — up to $10 per month.

  Bill Pay

Make payments, receive electronic bills, and set up automatic payments in no time, all from anywhere.

Don’t just take
our word for it

“This is the best internet bank!  I have been a satisfied FirstIB customer for over 10 years.  I joined when internet banking was new – FirstIB was the best then, and keeps getting better. “

– David R. in Illinois 

Choices. Check.

Whichever checking account you choose, the following offerings are always included and always free.

  • Online and mobile bill pay
  • Electronic bank statements
  • Incoming wires
  • First order of checks
  • Debit card
  • Incoming ACH transfers
  • Zelle payments
Interest Checking
open an account
Free Checking
open an account
Open with as little as $100 $25
APY (Annual Percentage Yield) 0.30% Does not pay interest
Interest rate 0.30% Does not pay interest
Monthly maintenance fee $10 None
Balance to avoid fee $500 Average daily balance None
ATM surcharge rebate YES – Up to $10 per month None

Rates last updated 6/17/2021. Rates 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. Fees may reduce earnings on account. Interest is calculated using the average daily balance method and compounds monthly.

We’re ready when you are

Choose the checking account that works best for your needs,
your goals and your dreams. Open an account today!

Mobilize your money with Zelle®.


Send money
fast in just a
few steps.


Settle up with
roommates, friends
and more, regardless
of where they bank2.


Easily divide the
check for dinner,
coffee and more.


We would love to chat. Get in touch however you feel most comfortable.