A branchless, FDIC-insured digital bank founded in 1999 in Fishers, Indiana, offering personal and business banking, lending, leasing and mobile services entirely online across the United States.
First Internet Bank is a branchless, state-chartered, FDIC-insured bank that delivers personal and business banking services entirely online. Founded in 1999 and headquartered in Fishers, Indiana, it was the first state-chartered, FDIC-insured institution of its kind to operate without branches at launch. Its nationwide online operations cover the United States, replacing physical locations and fixed banking hours with round-the-clock digital access.
The bank's product range spans checking and savings accounts, certificates of deposit, credit cards, and loans for personal and business customers, alongside commercial banking, dealer services financing, equipment leasing and Small Business Administration financing programmes. Mobile applications support account management, deposits, transfers and payments, and are part of a broader digital banking platform built around self-service financial tools, real-time account access and fintech partnerships.
Technical work centres on online banking, the digital banking platform, mobile applications and self-service tooling. Competitive rates and self-service tools are designed to help customers make more informed financial decisions. The company states an emphasis on innovation, accessibility, customer service and community involvement, and describes its founding purpose as removing the barriers of traditional banking so customers could manage their finances whenever and however they wished.
