About First Internet Bank

First Internet Bank of Indiana (First IB) is the first state-chartered, FDIC-insured institution to operate solely via the Internet and has customers in all 50 states. Deposit services include checking accounts, regular and money market savings accounts with industry-leading interest rates, CDs and IRAs. First IB also offers consumer loans, conforming mortgages, jumbo mortgages, home equity loans and lines of credit, and commercial loans.
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Overall Rating

MyBankTracker Grade

A+
Customer Rating
Based on 21 Reviews
Financial Health
Based on Texas Ratio: 7.82
Bank Fees
vs. Average
Bank Rates
vs. Average
Mobile Banking
Quality of Mobile Services

Customer Reviews

Most Helpful Customer Reviews

Kathiemm's Profile Image

Reviewed by Kathiemm

Nov 2nd 2011

5 out of 5 marks

Always good very easy to use

Always easy to navigate the website

love the convenience. They offer a lot

of services. We recommend this with an A +

Is this review helpful? ▲ Yes 3 ▼ No 0

bpm13579's Profile Image

Reviewed by bpm13579

Jul 21st 2011

3 out of 5 marks

ok

ok experience

Is this review helpful? ▲ Yes 1 ▼ No 1

Nick L's Profile Image

Reviewed by Nick L

Jan 14th 2011

1 out of 5 marks

Terrible. They value fees more than keeping a customer.

Terrible. Their service used to be ok, which they absolutely needed since they don't have ANY branches which makes banking a huge hassle. I originally joined for the online banking. Now that every bank has a quality online presence First Internet Bank of Indiana has nothing worth while to offer.

You think this would make them focus on customer service, but that is not the case. They focus on gouging you with fees to make their money in lieu of keeping long term customers. I would not trust my money with them since I do not believe they will be in business in 2 years with the mass exodus of customers do to poor service. I will no longer be a customer as I was not treated like one.

Is this review helpful? ▲ Yes 2 ▼ No 1

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Bank Rates

NAME RATE (APY) MIN TO EARN APY Min Deposit
Free Savings

0.40%

$0

$25

Regular Savings

0.60%

$0

$100

NAME RATE (APY) MIN TO EARN APY Min Deposit
Money Market Savings

0.80%

$0

$100

NAME RATE (APY) MIN TO EARN APY Min Deposit
Interest Checking

0.55%

$500

$100

TERM RATE (APY) Min Deposit
3 Month CD

0.35%

$1,000

6 Month CD

0.60%

$1,000

12 Month CD

0.90%

$1,000

18 Month CD

0.95%

$1,000

24 Month CD

1.05%

$1,000

36 Month CD

1.20%

$1,000

48 Month CD

1.40%

$1,000

60 Month CD

1.80%

$1,000

Banking Fees

Type Fee National average
Monthly Inactivity

$5

$7

Non-Sufficient Fund (Overdraft)

$30

$30

Stop Payment item

$30

$27

Return Deposit

$25

$14

Domestic Wire Transfer (Outbound)

$20

$22

Domestic Wire Transfer (Inbound)

$0

$9

Non-Bank ATM

$0

$6.00 refund per month

$1