A MyBankTracker Rating

First Internet Bank

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.

First Internet Bank logo

MyBankTracker rated based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank. See how it’s rated.

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Customer Reviews

Most Helpful First Internet Bank Bank Customer Reviews

  • KK
    Reviewed By Karen K. Oct 8, 2012

    Mortgage Refi Was Ok Until We Closed

    Original loan officer was nice and seemed helpful. But then the appraisal didn't happen when i was told it would. I had to call and email multiple times and after 3 weeks, finally got the appraisal done. Then was told would close any time the next week, but was pushed to the latest date possible. Finally closed and 3 days later was told had to come up with another $900, after already supplying a check for closing costs. Not good service and feels like a scam.

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  • KW
    Reviewed By Kristina W. Apr 8, 2013

    On hold for 1h15min w/ no answer

    I read some decent reviews about this bank online and decided to give them a chance for a refinance. I scheduled a time to talk to a agent and when I called it went straight to voicemail and then I was put on hold waiting for next available rep for 1 HOUR and 15 MINUTES. It only ended because I hung up.
    Cannot trust to put my home in their hands.

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  • L
    Reviewed By Laurel Mar 15, 2013

    Good experience with getting a mortgage

    We recently closed on a home loan with First American and were very pleased with the service we received. Rates and fees were as advertised - no big surprises at the end. Our loan officer moved the process along efficiently and we closed on time.

    My partner and I both have excellent credit and we put down enough of a down payment to not need mortgage insurance, so perhaps that helped things along. We were both new in our jobs but otherwise had stable work histories, and apart from student loans, had no debt.

    I definitely recommend their staff -- they were very responsive by email and phone and were very pleasant. First Internet also has some decently technology options, including an internet site where you can upload documents securely (note that it does not work with Macs though). Faxing also works well.

    It is my understanding that they will usually sell your loan pretty soon after approval, so it will be serviced by someone else. I don't have a problem with that - in my experience, most lenders are pretty similar and it won't change my rates any.

    Overall, I give First Internet high marks and would definitely recommend them for mortgage loans.

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  • Type Fee National Average
  • Monthly Inactivity N/A
  • Non-Sufficient Fund (Overdraft) N/A 0
  • Stop Payment item N/A 0
  • Return Deposit N/A 0
  • Domestic Wire Transfer (Outbound) N/A 0
  • Domestic Wire Transfer (Inbound) N/A 0
  • Non-Bank ATM N/A