Personal

Savings & Money Market Accounts

Grow your money in one of our competitive online savings accounts

Bring us your savings plan, and we’ll help you find the financial resources to make it a reality. Our online savings accounts deliver rates that are hard to beat. All savings options include unlimited deposits, as well as online and mobile banking. You can even connect your savings account with one of our checking accounts for greater convenience (and to protect yourself against overdrafts). We also offer ATM cards, if you choose — and as always, all of our savings accounts are FDIC-insured.

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Money Market Savings

Our highest yield savings option earns more than 9x the national average.* And we have even better interest rates for higher balances! Open your Money Market Savings account with just $100, and get reimbursed up to $10 per month on ATM fees.
*As of 11/1/2018, the national average for Money Market Savings accounts is 0.20% APY, according to Bankrate.com. The minimum average daily balance to avoid a fee is $4,000. Rates are subject to change. Fees may reduce earnings on the account.

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Regular Savings

Build your balance in a Regular Savings account and move steadily toward your goals. Open your account with as little as $100 and earn a 0.75% APY. We also reimburse up to $10 per month on ATM fees.

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Free Savings

Grow your savings the easy way with our no-fee, no-fuss, no-frills Free Savings account (say that three times fast!). Open your account with as little as $25 and watch your money grow at 0.60% APY.

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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

Free Offerings

  • ATM card
  • Incoming wires
  • Unlimited online and mobile banking
  • Incoming ACH transfers
  • Electronic bank statements
  • Unlimited deposits
Money Market Savings
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Regular Savings
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Free Savings
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Open with as little as $100 $100 $25
APY (Annual Percentage Yield) 1.81% with a daily balance of $250,000 or less


2.02% with a daily balance above $250,000

0.75% 0.60%
Interest rate 1.80% with a daily balance of $250,000 or less


2.00% with a daily balance above $250,000

0.75% 0.60%
Monthly maintenance fee $5 $2 None
Average daily balance to avoid fee $4,000 $1,000 None
Transactions allowed per month 61 61 6
ATM surcharge rebate Up to $10 per month Up to $10 per month None

1You may make up to six transfers or withdrawals by means of a pre-authorized, automatic, PC or telephonic transfer to another account of yours or to a third party during any calendar month (or statement cycle of at least four weeks). Excessive withdrawals result in a $5 per item fee.Rates last updated 11/7/2018. 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. For additional information, visit our Disclosures page.

Talk to us about the savings account that will work best for you

Looking to save even more?

Have more cash to stash by paying less for your checking, mortgage and credit cards. Save big with our nationally competitive rates.