FAQ

You can check your account balances and review the last five transactions on the account you designate as your ‘primary’ account during setup. The keywords are:

• BAL = primary account balance
• BAL CHK = balance for all checking accounts
• BAL SAV = balance for all savings accounts
• BAL ALL = balance for all accounts, including loans
• LAST = last five transactions on your primary account
• HELP = help on keywords
• STOP = deactivate text message banking

Keywords are NOT case sensitive.

Reply with ‘stop’ to 454545 on your activated cell phone, or return to the Mobile Banking page in your online banking account and click the deactivate link next to your mobile device number. Your phone will no longer receive any text messages from Mobile Banking. You can add a new phone through your online banking account at any time if you change your mind later.

First Internet Bank won’t charge you, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you aren’t sure whether fees apply when you send and receive text messages.

Yes! The First Internet Bank mobile app is available for iPhone, iPad and Android phones. You can download the app for FREE at the iTunes App Store or Google Play.

Yes, mobile banking uses 128-bit SSL encryption, just like our online banking site.

First Internet Bank offers three options for mobile account access: Apps for iPhone, iPad, and Android phones. Download the app for free at the iTunes App Store or Google Play.

You can also access our mobile banking service using any Internet-enabled mobile device. Log in to mobile banking at m.firstib.com using your online banking user ID and password. You will be prompted to answer security questions when you log in. (If you would like to avoid these questions on future logins, follow the link to add extra security to your device once you are on the Accounts screen.)

There is no charge from First Internet Bank to use our mobile banking service. However, you may be charged mobile web access rates by your wireless carrier. Check with your service provider for details on specific fees and charges. Bill payment usage fees may apply, depending on the type of checking account you have with First Internet Bank.

The third option for mobile access is text message (SMS) banking. If you can send and receive text messages using your mobile phone, you can get your account balance(s), review your most recent transactions and even transfer funds from your phone. Register through your online banking account. Click Additional Services and select Mobile Banking to get started.

A fixed rate does not change over the life of the loan. A variable rate, also known as an adjustable or floating rate, is adjusted periodically and is usually based on a standard market rate outside the control of the bank, such as the prime interest rate. These rates often have a specified floor and/or ceiling, called a cap or a collar, which limit the adjustment.

Your online banking password ensures that only you can access your confidential information. Your password must more than six characters, is case sensitive, and must contain a mix of letters, numbers and special characters (!@#$ etc.), but cannot contain spaces. Please remember this password and keep it secure. If you forget your password, you will have to be reset.

Your password is one of the most important defenses you have for protecting your account information! Here are some tips for choosing (and protecting) a strong password: Try to memorize the password, and avoid writing it down. Mix letters, numbers and symbols, and use case sensitivity (upper and lower case letters). This makes it harder to ‘crack’ your password. Find a good way to remember it. For example, choose the first letters of a sentence that you will remember. ‘I have 2 dogs called Rover and Fido’ translates to Ih2dcRaF. Use punctuation to your advantage.

Also, avoid using:

• The name or birth date of your spouse, child, pet or other loved one
• Social Security or phone numbers
• Any part of your physical address
• Other information that is easily obtained about you (your alma mater, mother’s maiden name, or past address, for instance)
• Any username on the computer in any form
• A word in the English or foreign dictionary
• A password used on another site
• Any of the above spelled backwards
• Sequences: “12345678,” “abcdefg” or passwords that could easily be advanced: “January2015,” “February2015,” “March2015,” etc.

Above all… Do not share your password with anyone! The employees of First Internet Bank do not need your online banking password to answer your questions or troubleshoot your account.

Pending: We have not yet received confirmation of a successful transaction. This process generally requires four business days. You may see an indication of the transaction in the account balance of the source account but not the destination account of your funds transfer.

Complete: The transfer is confirmed. The transaction will be reflected in your account balances with your institutions as a withdrawal from your source account and a deposit in your destination account. It’s a good idea to verify the transaction with your financial institutions.

Rejected: We were unable to remove the funds from the source account or place the funds in your destination account. You will be notified by email if we receive a return notice on your transaction indicating the transfer could not be completed. Typical causes of failed or returned funds transfers are: incorrect account number or bank ABA routing number provided during the account setup or lack of sufficient funds in the source account.

Complete (Return): Occasionally, we’ll receive a return from the ACH system indicating a problem with the transaction after the normal four business day waiting period. This designation indicates that we received the return notice after having already designated the funds transfer as Complete. It’s possible that you’ll see a record of the debit on the account statement of your source account. If this does occur, the funds will be automatically returned to that account, appearing as a credit on your account statement.

The ABA routing number is an identification number assigned to each financial institution and each branch office. It is usually a nine-digit number found at the bottom of your check, usually on the left-hand side.