Frequently asked questions

Desktop

To order checks for your First Internet Bank Personal Checking Account within your online banking, click on the account to navigate to the “Transaction history” screen.  Then click “Order checks” under “Account services”.

To order checks for your First Internet Bank Business Checking Account or Business Money Market Savings Account, please connect to an agent or send us a secure message within your online banking by going to Support > Send a secure message.

App

To order checks for your First Internet Bank Personal Checking Account within our mobile app, click on the account to navigate to the “Transaction history” screen.  Then click the More (…) menu and select “Order checks”.

To order checks for your First Internet Bank Business Account, please connect to an agent or send us a secure message within our mobile app by going to More > Help center > Send a secure message.

First Internet Bank will send through U.S. mail a reminder of your Certificate of Deposit (CD) maturity approximately one month in advance of your maturity date.  If you do nothing, your First Internet Bank CD will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The rate on the new CD will be the rate in effect for that term on the maturity date.

If you choose not to renew the CD, you will have a grace period of ten (10) calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. If you notify us prior to the maturity date that you do not wish to renew the CD, we will close the CD on the maturity date and follow your provided instructions.

Please send us a secure message through online banking or call a Relationship Banker at 1-888-873-3424.

As a pioneer in digital banking, First Internet Bank does not operate traditional brick‑and‑mortar branch locations. Our accounts and services are designed to let you bank from anywhere…online, on your mobile device, or by phone without the need to visit a branch.

That said, if you prefer to make a deposit in person, you’re welcome to visit our headquarters in Fishers, Indiana.

Commercial banking refers to financial services designed for businesses, corporations, government entities, and institutions. Common commercial banking services include business lending, treasury management, deposit accounts, and specialized financing. At First Internet Bank, we focus our commercial banking division on mid-sized and large organizations that need customized solutions across multiple industries.

Small business banking typically serves sole proprietors, startups, and smaller companies with straightforward deposit and lending needs. Commercial banking is built for larger, more complex organizations that require customized loan structures, treasury management, specialized real estate financing, or public finance capabilities. At First IB, our commercial banking team handles relationships where the financing needs go beyond standard small business products.

Interest on First Internet Bank business savings accounts is calculated using the Daily Balance method, which means we calculate interest each day based on your account balance at the end of that day.
How much you earn depends on your daily balance and the interest rate that applies to your account type and balance tier.

Interest rates are stated as an Annual Percentage Yield (APY), a simple way to see how much you could earn over a year if you leave the interest in the account. Rates may vary by account type and balance level, and account fees may reduce total earnings.

Yes. First Internet Bank business savings accounts do have monthly maintenance fees, but they are easy to avoid by maintaining the required average daily balance.
• Business Regular Savings: A $2 monthly maintenance fee applies and is waived when you maintain an average daily balance of $1,000.
• Business Money Market Savings: A $5 monthly maintenance fee applies and is waived when you maintain an average daily balance of $4,000.

Account fees may reduce total earnings, so maintaining the required balance can help you get the most out of your business savings.

Yes. First Internet Bank’s online banking makes it easy to link your business checking, savings, and other eligible accounts for convenient transfers and everyday management.

No. The Do More Business™ Checking account has no minimum balance requirement and no monthly maintenance fee, so you can focus on running your business without worrying about extra costs.