FAQ

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Common Questions

When are the deposits I make to my First Internet Bank account available for withdrawal?

Funds you deposit to your First Internet Bank account may not be available for immediate withdrawal. When we place a hold on your deposit, the funds are applied to your current balance and begin accruing interest immediately. However, these funds are not part of your available balance and may not be used for transactions. The length of the hold depends upon the type of deposit you have made. Complete details are available in our Funds Availability Disclosure.

How do I change a nickname for a First Internet Bank account?

To change your account nickname, log in to your online banking account, click My Settings in the upper right corner and click Rename & Hide your accounts. Your new account name may be up to 20 characters long. Please note: Only the primary account holder may change the account nickname. Joint owners do not have the ability to change an account description.

How do I order checks for my business checking account?

The check catalog in our online banking system offers personal check styles only. You may order business checks through Deluxe by calling 1-800-328-7205, from 7:30 AM to 8:00 PM (Central time).

Please note: You are not obligated to order checks through Deluxe and may order checks from any other source if you prefer.

How far back can I view account history?

First Internet Bank makes at least one year of account history available online for most accounts. You may view up to 150 transactions at one time. We encourage you to save electronic copies of your statements if you wish to have access to account history that is older than one year.

I would like to have some money sent to me from my account. How do I request a bank check online?

To request a bank check, please contact a Relationship Banker at 1-888-873-3424. We will mail the check to the address we have on file for you.

If you would like the check sent to a different address or made out to a different person, or if you would like a cashier’s check, we require a written request signed by an authorized account holder.

Please note: There is a $5 charge for each cashier’s check we issue. You may email this request by email at bank@firstib.com, by toll-free fax at 1-888-644-8678 or by mail to:

First Internet Bank of Indiana
PO Box 6080
Fishers, IN  46038

Important note: If a cashier’s check is lost, stolen or destroyed, you may have to either purchase an indemnity bond or allow 90 days to pass without the original being presented/paid before the check can be replaced. If you request a cashier’s check, we strongly encourage you to request overnight delivery. You may also consider a wire transfer, which is a cost-effective, reliable alternative to cashier’s checks without the expense of overnight delivery.

How do I stop payment on a check I wrote?

You can submit a real-time stop payment request for a single check or for a range of checks through online banking. Log in to your online banking account, click Additional Services and select Stop Payment on Check. Your account will be charged $30 at the end of the day you submitted the request. The stop payment order will be in effect for six months from the date you submit the request, unless you tell us to cancel the order.

If you do not have access to our online banking system, please print and sign our Online Banking Access Agreement, then return the form to us by email at bank@firstib.com or toll-free fax at 1-888-644-8678. Within two business days, we will send you an email with the information you need to access your account online.

What are cookies and why do I need them to bank online?

Cookies are messages that a Web server sends to your browser to identify users and sometimes save login information. Some cookies remain on your hard drive until you delete them. Other cookies, like the ones we use for security purposes, are stored on your browser only while you’re on the site that issued them. Each time you perform a transaction or view a new page on our secure server, the message is sent back to the server to authenticate the request.

Can I deposit a third-party check (one that was originally payable to someone else) in my account if they sign it over to me?

No. All checks must be originally made payable to an account owner to be eligible for iScan. Please refer to the iScan User Agreement for other types of items that are ineligible to be deposited using the service.

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.

Is First Internet Bank open on holidays?

The First Internet Bank website is always available, but Bank offices are closed in observance of the following federal holidays:

  • New Year’s Day
  • Memorial Day
  • Independence Day
  • Labor Day
  • Thanksgiving Day
  • Christmas Day

On certain federal holidays, First Internet Bank will remain open to answer calls and email but we cannot process requests for wire and/or ACH transfers because the Federal Reserve is closed. Those holidays include:

  • Martin Luther King, Jr. Day
  • President’s Day
  • Juneteenth
  • Columbus Day
  • Veterans Day