Online Checking Accounts

Banking, designed for your life

Because life gets busy, we give you everything you need and nothing you don’t. We’re talking free online and mobile banking tools, multiple options for making deposits, bill pay capabilities, debit cards, and an intuitive personal financial management tool. Take advantage of our Purchase Rewards program to earn cash back or discounts from participating merchants. You can even safeguard your finances and avoid overdraft fees with our optional overdraft protection program.

Open An Account

Convenient tools and resources to help you manage your money — here, there and everywhere in between.

  • Online banking

    Our secure, easy-to-use site puts account information and transactional capabilities at your fingertips. Oh yeah, and it’s free.

  • Mobile app

    Manage and monitor your accounts from the palm of your hand with our mobile app that works on both Apple and Android devices.

  • Bill pay

    Make your monthly payments, receive electronic bills, and set up automatic payments with just a few clicks — all from one site. Available from our mobile app too!

  • ATM surcharge rebate

    Withdraw funds from your Interest Checking account using any ATM and we’ll pay you up to $10 per month to cover the ATM fees charged by other banks.

Don’t just take our word for it

"I highly recommend First Internet Bank. I have been their customer for 10+ years. Very good customer service and excellent rates."- David M. in New Jersey

Online Checking Accounts

Choose the checking account that works best for your needs. We’ll even sweeten the deal with a free first order of checks!

Free Offerings

  • Debit card
  • Incoming wires
  • Online and mobile bill pay
  • Incoming ACH transfers
  • First order of checks
  • Electronic bank statements
Interest Checking
open an account
Free Checking
open an account
Open with as little as $100 $25
APY (Annual Percentage Yield) 0.50% Does not pay interest
Interest rate 0.50% 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 9/15/2020. 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.

Checking accounts that work

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

Access Your Cash

Avoid the hassle of writing checks or carrying cash for everyday purchases, with your free debit card. Add your debit card to Apple Pay to make your purchases with a single touch anywhere that Apple Pay is accepted! Withdraw cash at more than a million ATMs worldwide. Best of all, we won’t charge you for it — and we’ll even reimburse you up to $10 per month for ATM fees charged by other banks!

Talk to us about the best options for your everyday banking needs.

How else can we help?

Think our checking and debit accounts are good? Then you’ve got to take a peek at our savings, mortgage and credit card offerings.