PERSONAL

Online Checking Accounts

Banking, designed for your life

Personal Bank Checking & Debit

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)	0.70%	Does not pay interest
Interest rate	0.70%	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 3/25/2020. 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.

Fees

Checks	First box free
Non-sufficient funds	$30 per occurrence
Overdraft fee	$30 per occurrence
Uncollected fee	$30 per occurrence
Check copies	$0 if check was written in the last 12 months via online and mobile banking. $5 per copy on checks older than 12 months
Statement copies	$0 for statements in the last 12 months via online and mobile banking. $3 per statement older than 12 months

For additional information, visit our Disclosures page.

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!

open an account

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!