Summary
Security matters when it comes to your business finances, and that doesn’t change with AI. With Model Context Protocol (MCP) from First Internet Bank, customers can choose to securely connect their business bank accounts to OpenAI’s ChatGPT* or Anthropic’s Claude* while staying in full control of their data. Permissions, read-only access and protected credentials ensure you get the insights you need without putting your finances at risk. It’s a smarter, safer way to manage your money.
A New Question Business Owners Are Asking
AI tools like OpenAI’s ChatGPT and Anthropic’s Claude* are quickly becoming part of everyday business. They help business owners write emails, summarize information and make decisions faster.
Now, a new opportunity is emerging: connecting those tools to real business data, including financial information.
And that naturally leads to an important question: “Is it safe?”
At First Internet Bank, we believe innovation should never come at the expense of security. That’s why we offer Model Context Protocol (MCP), an optional capability that lets you choose whether to connect your First Internet Bank business accounts to AI assistants like ChatGPT* and Claude*. If you decide to enable the connection, you can access financial insights while maintaining control of your data every step of the way.
What “Connecting AI” Really Means
When you connect your account using MCP, you’re not handing over access to your finances to ChatGPT or Claude.
You’re creating a secure, permission-based connection that allows AI tools to read selected information so they can answer your questions.
That distinction matters.
Because MCP is built to ensure:
- Your data is only shared with your approval
- Access is limited to what’s needed
- You can turn it off at any time
It’s not open access. It’s controlled, transparent and designed around you.
Read-Only Means Exactly That
One of the most important safeguards in MCP is simple: it’s read-only.
AI tools can analyze your financial information, but they cannot:
- Move money
- Make transactions
- Change your account settings
This gives you the benefit of insight without introducing risk. Your finances stay exactly where they belong, under your control.
Your Credentials Stay Protected
Another common concern is sign in security.
With MCP, you never share your First Internet Bank online banking credentials with an AI tool.
Instead, the connection is handled securely behind the scenes, using modern authentication methods designed to protect your information.
That means:
- Your username and password stay private; you do not share either with ChatGPT or Claude
- You’re not copying sensitive data into external platforms
- Your banking access remains secure
It’s a smarter way to connect, without compromising what matters most…your online security.
You Decide What AI Can See
Not every business owner needs the same level of insight.
That’s why MCP is built around permission-based access.
You choose what information is available, such as:
- Account balances
- Transaction history
- Spending activity
And you can update or revoke those permissions at any time. This keeps you in control of your financial data every step of the way.
Why Security Matters More Than Ever
As technology evolves, so do the expectations around privacy and protection.
Business owners need tools that are:
- Powerful enough to deliver real insights
- Flexible enough to fit how they work
- Secure enough to trust with financial data
At First Internet Bank, we’ve always focused on combining advanced technology with a human-first approach to banking. MCP follows that same philosophy.
Do More With Confidence
A Do More BusinessTM Checking account is built to give you visibility, flexibility and control over your finances.
MCP enhances that experience by adding a new layer of insight, without changing the foundation of security you rely on.
You still get:
- A secure banking environment
- Full control over your account
- Tools designed to help you manage your business
Now, you also get a simpler way to understand what your data is telling you.
A Secure Path Forward
AI is changing how business owners work. That includes how you manage your finances.
But trust still matters. Control still matters. Security still matters.
With MCP and a First Internet Bank Business Checking account, Business Money Market account or a Business Savings account, you don’t have to choose between innovation and protection.
You get both.
Because the right tools should help you move faster without ever putting your business at risk.
*Available now or Claude Pro, Max, Team and Enterprise plans, as well as ChatGPT Pro, Business and Enterprise plans.
Frequently Asked Questions
Is my First Internet Bank account automatically connected to ChatGPT or Claude?
No. The connection is not automatic. Customers must choose to connect their First Internet Bank accounts to supported AI assistants through Model Context Protocol (MCP). If you do not set up a connection, your accounts will remain unchanged and will not be connected to an AI assistant.
Do I share my online banking username and password with ChatGPT or Claude?
No. Your First Internet Bank online banking credentials remain private and are not shared with AI assistants. MCP uses secure authentication methods to establish the connection while helping protect your banking credentials.
Can I disconnect an AI assistant after I connect it?
Yes. You can revoke access or disconnect the connection at any time. Once access is removed, the AI assistant will no longer be able to retrieve information through MCP.