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Common Questions


What is the routing number for First IB?

First IB’s routing number is 074014187.

The routing number identifies the financial institution where an account is held. This nine-digit number appears before your account number on the bottom of your checks.


Can I really bank without branches?

Yes! First Internet Bank is a pioneer in the “direct banking” model. We’ve been around since 1999, and our thousands of customers across the country have discovered the benefits of banking without branches. Chances are, with direct deposit and ATMs, you probably don’t visit bank branches that often anyway… so why pay for something you don’t use? Without a costly branch network, we pass our savings on to you in the form of great rates and low fees. We’ve loaded up our online banking site with tools and resources to help you manage your money more easily and make smart financial choices for your future. When you have a question, an experienced Relationship Banker is here to help – by phone, email or online chat.


How do I make deposits to my personal account?

In today’s wireless world, you no longer have to make deposits in person. First IB offers multiple ways to deposit your funds. Learn more in this brief video.


When to lock in a mortgage rate?

Mortgage interest rate movements are as hard to predict as the stock market.   No one can really know for certain whether they'll go up or down, and they may change several times within a single day. If rates are on an upward trend, then you'll want to consider locking the rate as soon as you are able.  Before you lock your rate, talk to your mortgage loan officer for help in choosing the right rate lock period for your situation.

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How do FHA and VA loans differ from conventional loans?

Not every lender can offer “government” loans, but First Internet Bank does. FHA and VA loans are insured and administered by the federal government. FHA and VA loans generally require lower down payments and have lower qualification requirements than conventional loans. (Only qualified veterans can obtain VA loans.) Additionally, FHA and VA loans have established maximum loan amounts that limit the amount an individual can borrow.

There are conventional loan programs that allow for low down payments.  It is always a good idea to talk to a First IB loan expert, who can help you compare all eligible loan programs to determine which is best for your situation.

Learn more about the various loan programs we offer.


How quickly can you close my mortgage?

First Internet Bank can typically close the majority of home purchase mortgages and refinance transactions within 30 days from the time we receive all of your documents. Our experienced loan team will work with you to identify the documents we will need to meet your closing date.

The time to close may vary depending on property and borrower circumstances. Be sure to speak with one of our experienced loan officers about your specific situation.


How do I apply for an account?

If you do not currently have an account with First IB, click the appropriate link below to apply online:

Open a personal banking account,
Apply for a mortgage,
Open a business account.

If you already have a First IB account:
Log in to your online banking account and go to the Additional Services tab and click Open Deposit Accounts. Or, open a savings or CD instantly from the Instant Account option.


What information do I need in order to set up direct deposit to my account?

Typically, you’ll need to provide the sender (your employer, for instance) with the bank’s name, our routing and transit number (074014187) and your nine-digit account number. Sometimes, the sending company may require that you provide a voided personal check as well as First IB's phone number (317-532-7900). If the sender requires additional information, a First IB Relationship Banker will be happy to help.


How are interest rates determined?

Interest rates fluctuate based on a variety of factors, including inflation, the pace of economic growth and Federal Reserve policy. Over time, inflation has the largest influence on the level of interest rates. A modest rate of inflation will almost always lead to low interest rates, while concerns about rising inflation normally cause interest rates to increase. Our nation’s central bank, the Federal Reserve, implements policies designed to keep inflation and interest rates relatively low and stable.

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