First Internet Bank


Can a high tech bank still deliver personalized service? From our founding in 1999, we’ve been passionate about delivering convenience and unparalleled support to our customers in all 50 states.

From our founding, we’ve been leading with innovation. First IB is the first state-chartered, FDIC-insured institution to operate online and has customers in all 50 states. We are passionate about delivering excellent products and customer service as we continue growing our consumer and commercial banking businesses. What can we do for you today? Easy: Higher deposit rates, real-time transaction processing, flexible account options and great service! How do we do it all, you ask? Well, in this day and age it seems like the whole world is moving online. But we were one of the first, opening our virtual doors over ten years ago. We’ve had plenty of time to master the business of online banking, and we’re passing the benefits on to you!

Comprehensive Collection of Products and Services
First IB operates over the Internet, which means we don’t have a costly branch network to support. So you get all the tools and resources you’d expect from a brick-and-mortar bank, complete with better rates, lower fees, and convenient online account access!

Real-Time Transaction Processing
Most banks today still rely on batch processing, so transactions are not reflected until the following day. But First IB’s operating technology allows us to offer real-time transaction processing and fully-integrated accounts.

Great Service
If you’d like, chat with any of our excellent customer service representatives. But in truth, you may never need them! The way we see it, the best service we can provide our customers is a problem-free banking experience. So you can use our site to do anything you need—pay bills, order checks, change a mailing address, request a wire transfer, set up ACH transfers, redeem a CD, purchase a new CD, and much more. Member FDIC, Equal Housing Lender

Loan Features

Personal Mortgage
At First Internet Bank, we understand the importance of each step in the home loan process — from finding the best rate to closing on time. We offer a broad variety of mortgage loan programs at competitive rates, including:

Fixed Rate Mortgages and Adjustable Rate Mortgages (ARMs)
FHA and VA – Low down payment options and no underwriting fees
HARP Refinance – For homeowners whose home value has declined
Jumbo – Loan amounts above the standard mortgage loan limit
Home equity loan programs

Mortgage Refinancing
Let First IB make your mortgage refinancing experience easy and stress-free! As a leader in multi-state lending, we are proud to offer an efficient mortgage application process to save you time. We work to ensure you get the right mortgage that fits your needs.

Home Equity Loans
Get even more out of your house with a home equity loan!Put your good credit to work and take advantage of the equity built into your home! Start your dream home renovation, consolidate debt or fund another major purchase with a home equity loan or line of credit.We now offer lower payments, more convenient payment terms and a longer payment time: 30-year term loans with a 10-year draw period, interest-only payments and a 20-year payoff. Benefits of a home equity loan or line of credit:

Personalized service
Competitive rates
Easy online account management available 24/7
No prepayment penalties
Equity check writing privileges

VA Home Loans
You’ve served our country, now let us serve you!
At First IB, we appreciate the sacrifices you and your families have made by serving our country. And it’s our honor to show our appreciation by offering VA home loans for active and retired military in all 50 states with no lender, origination, underwriting or processing fees. Depending on your situation, loans include:

No monthly private mortgage insurance (PMI)
Financing of up to 100% of the loan
Streamlined financing for veterans with a current VA loan
30-year and 15-year fixed rate mortgages
As with all our home loans, we provide timely and consistent service. And our customer portal allows you to follow the process each step of the way.

FHA Home Loans
Low down payment loan options and competitive rates. Looking for a great loan option, but you have a not-so-great credit history or need to make a smaller down payment? Consider an FHA loan and purchase your primary residence with a low down payment of 3.5%.An FHA mortgage is a home loan that’s backed by the government and insured by the Federal Housing Administration (FHA).

The lending requirements are more flexible and the qualification process is usually a little easier than it is with conventional loans. While FHA loans typically have lower interest rates than conventional mortgages, they do require monthly mortgage insurance.First IB offers FHA loans with both fixed and adjustable rates — with no underwriting fees.

Business Lending and Financing
You have the ideas and the passion to fuel your business growth; let First Internet Bank provide financial solutions. Our business lending teams have the experience you expect. We offer competitive rates and flexible terms, and we truly care about your success.

Business Commercial Lending
Available in Indiana and Arizona. First Internet Bank is committed to serving small to mid- size businesses. We have a team of experienced Commercial Banking Relationship Managers on the ground, ready to assist your business with financing and credit approval.

Lines of Credit
First Internet Bank provides flexibility to its clients through a commercial line of credit. Allow First IB to assist your business with short term working capital needs. Lines of credit offered starting at $100,000.

Commercial Term Loans
Allow First IB to help finance equipment, inventory or an expansion for your business. A commercial term loan can also help consolidate commercial debts. Loans are offered with fixed or variable rates with loan amounts starting at $100,000.

Commercial Real Estate Loans
Purchase, renovate or build owner-occupied real estate. Loans are offered with fixed or variable rates starting at $100,000.

Commercial Credit Cards
Provide management and employees of your business with First IB Visa-issued commercial credit cards for spending, travel expenses and more!

Public Finance
Public finance funding with a personal approachFirst Internet Public Finance Corp. serves the needs of government entities and not-for-profit organizations. We understand complex, regulatory guidelines while offering a variety of lending and depository solutions for taxable and tax-exempt financing needs.We are proud to serve the following industry markets:

Metropolitan districts, city, county and state governments
Public and private schools, universities and colleges
Public infrastructure projects
Economic development districts
Water and sanitation districts
Fire departments
Other 501 (c)(3) organizations and borrowers who qualify for tax-exempt financing

We offer direct, private placement bank loans, including:
Taxable or tax-exempt public project funding
Lease purchase and installing purchase contracts
General obligation and limited general obligation financing
Short-term cashflow financing (TANs, RANs, TAWs)
Revenue-backed financing
Certificates of participation
TIF/PIF financings
Refinancing of existing debt
Alternative energy project financing
Public quality of life projects (roads, sidewalks, streetscapes, lighting and bike trails)
Public/private project funding

Specialty Finance
Flexible (and speedy!) healthcare financing options. Starting, buying or expanding a practice? Save your valuable time by applying in minutes for funding for your dental, veterinary or healthcare practice. Lendeavor uses innovative technology to streamline the financing process for buying, starting or selling a practice, refinancing practice debt or buying equipment. Your financing is only a few clicks away!

Faster – No paper applications, and turnaround 4-5 times faster than “the other guys”
Easier – Extraordinary customer service to help you at every step along the way
Smarter – Supported by industry experts who can answer (almost) any question
Safer – Secure, user-friendly online platform to safely upload your financial information

Online Personal Loans
Financing Solutions to Fit Your Needs. From unexpected expenses to debt consolidation to a dream vacation, an online personal loan is an excellent solution for many of your borrowing needs. Repay the loan over a specific period of time, with set monthly payments. Even better, all of our online personal loans include free online banking and mobile banking access.

Vehicle Loans
Whether you’re looking to buy a reliable car, transporting your horse from point A to point B or you’re chasing sunsets across the country in an RV, installment loans are an excellent solution. Pay set monthly payments for a specific period of time and make your life a little easier with free online banking and mobile banking access.

Student Loan
If you’re attending a degree-granting institution, now you can pay for college the smart way, with three great repayment options and competitive interest rates. This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.The Smart Option Student Loan features and benefits:

Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates provides even more flexibility
No origination fees and no prepayment penalty
Benefits and an interest rate reduction available
Rates that reward creditworthy borrowers
Applying with a creditworthy cosigner may help you qualify
100% US-based Student Loan Specialists

Credit Cards
Apply today for one of the First IB credit cards and take advantage of competitive interest rates and no annual fees. Plus, our new Cashback credit card offers an introductory rate for balance transfers, and better yet, pays you 3% for gas transactions and 1% for all other purchases — that’s like putting money back in your pocket! First IB Credit CardBoth credit cards offer streamlined account integration. View your credit card information and transaction details along with your other accounts in online banking using the same login. You can also make real-time credit card payments online with just a few clicks.

Application Process

Applying for a mortgage loan before you find a home may be the best thing you could do! If you apply now you could pre-qualify online in minutes. Or, take it a step further, and we will review requested documentation in order to issue an official pre-approval. You can use the pre-approval letter to assure real estate brokers and sellers that you are a qualified buyer. A mortgage pre-approval helps give more weight to any offer that you make.

Repayment Terms

30 Year Fixed Rate
Rate 4.500%
APR 4.563%

15 Year Fixed Rate
Rate 4.000%
APR 4.109%

FHA 30 Year Fixed Rate
Rate 4.250%
APR 5.269%

Federal VA 30 Year Fixed Rate
Rate 4.375%
APR 4.680%

Home Equity Loan – 5 Year Fixed Rate
Rate 5.240%
APR 5.252%

Home Equity Loan – 10 Year Fixed Rate
Rate 5.490%
APR 5.496%

Home Equity Loan – 15 Year Fixed Rate
Rate 5.740%
APR 5.744%

Vehicle Loan
APR 3.25%-5.50
Term Up to 180 months

Personal Loans
From 10.99%APR
Up to 60 months

Customer Support

Monday – Friday
8:00 AM – 8:00 PM EST
9:00 AM – 4:00 PM EST

11201 USA Parkway,
Fishers, IN 46037

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