Highest Rated Review by the Community
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Rated a Very Helpful Review by the Epinions community Oct 18, 2002
Pros: Good interests rates, simple web interface, good customer support
Cons: Once you accept that internet banks have their drawbacks, FirstIB is the best bank around
Summary: I have deleted this review after Epinions deactivated my account AND cancelled all my earnings. Granted, my earnings were a non-whopping $7.49 and I probably would have never redeemed them anyway. But I am deeply disturbed by their practice. I haven't ... read more
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Not Yet Rated by the Epinions community
Oct 3, 2012
Pros: Competative Mortgage Rates
Cons: If they can't close the deal, the rate doesn't matter. Incompetent. Amateur.
Summary: We have used First Internet Bank of Indiana for our online bank for several years. The service has been fine, but we didn't ask for much. We decided to use them for a new mortgage. Initially the service was professional and knowledgeable. But then ... read more
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Not Yet Rated by the Epinions community
Aug 8, 2012
Pros: They sell your loan to a competent lender after it's processed
competitive rates
Cons: totally incompetent lender
unimaginable amounts of grief must be endured by the borrower
Summary: The loan application process was the worst imaginable experience. No automation, poor communication, repeated requests for duplicate documents. Just horrible.But the horror doesn't stop after you've secured the loan(s). (I ... read more
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Not Yet Rated by the Epinions community
Jan 14, 2011
Pros: They were marginal 7 years ago.
Cons: Poor Customer Service!A hassle to deal with. And FEES, FEES, FEES!
Summary: Terrible. Their service used to be ok, which they absolutely needed since they don't have ANY branches which makes banking a huge hassle. Now it is TERRIBLE! I originally joined for the online banking. Now that every bank has a quality online presence ... read more
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Not Yet Rated by the Epinions community
Sep 26, 2008
Pros: None
Cons: Avoid. Not customer oriented, nor having competent staff.
Summary: When I opened a CD account with First IB of IN, once the application had been accepted, they took the funds out of my checking account. For this they used the Automated Clearing House--a quasi government agency that moves money between banks at very low ... read more
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Rated a Helpful Review by the Epinions community
Jun 5, 2007
Pros: Easy Web interface. Friendly phone service. Checking account interest. Free overdraft protection.
Cons: ATMs for deposit are really are to find.
Summary: I have been an account holder for almost six years, but I also had another account with the local branch of Washington Mutual and was determined to close out my FIB account because I was tired of balancing two bank statements each month. I recently had a ... read more
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Rated a Helpful Review by the Epinions community
Feb 1, 2007
Pros: Generally competent online bank. Good lines of credit, ATM rebates, etc.
Cons: Unavoidable $25 fees = daylight robbery. Do you want to deposit any checks?
Summary: FirstIB will charge you a $25 penalty fee if you deposit someone else's check into your account and it bounces, and there's nothing you can do about it (except to not deposit checks). It's called a "Return Deposit Item" or "Deposit Item Return" (DIR) ... read more
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Rated a Helpful Review by the Epinions community
Jul 2, 2006
Pros: Handy website, ATM surcharge refunds
Cons: Bad customer service
Summary: I've been a customer at First Internet Bank of Indiana for six years and was pleased with the service until just recently. The bank offers a good website, online billpaying, ATM surcharge refunds, and generally works smoothly. Until last week, I would ... read more
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Rated a Very Helpful Review by the Epinions community
Feb 26, 2005
Pros: Decent interface, above average interest, Quicken Direct Connect, free bill pay
Cons: Same cons as all internet-only banks, not as good as they used to be
Summary: Two things to start out with: -First, internet-only banking isn't what it used to be -Second, internet-only banking is definitely not for everyone. Those being said, FirstIB is still my favorite online bank. I joined FirstIB in the end of 2000. ... read more
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Rated a Very Helpful Review by the Epinions community
Jan 4, 2005
Pros: Great fee structure, interest rates and customer service. Quicken Direct Connect support.
Cons: Could improve web site and ACH account setup. $5 fee for each ACH push.
Summary: This review is based on personal experience using First IB interest checking account for Dec. 2004. I've also compared it to similar online checking accounts at American Express (www.americanexpress.com/banki
ng)
and E*Trade bank (www.etrade.com). ... read more
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Rated a Helpful Review by the Epinions community
Dec 8, 2004
Pros: low fees, dependable service
Cons: new bill pay service is horrible
Summary: I've been a FIB customer for approximately 3 years. Switched after Wingspan was bought by BankOne. During that time FIB has been great, no complaints whatsoever. But a couple days ago they changed their online bill pay service and a couple key ... read more
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Rated a Somewhat Helpful Review by the Epinions community
Aug 18, 2004
Pros: Easy web interface AND Great customer service!
Cons: (see review body)
Summary: It's nice to see that in these times of cutting costs and offshoring, there are some companies that maintain values such as efficiency and great customer service. I guess it's not too difficult when you're small, unlike Citibank (see my review about ... read more
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Rated a Helpful Review by the Epinions community
Jan 30, 2004
Pros: Easy to use, internet banks are great for those that are always online
Cons: Really no ATMs of their own, and they have lowered the ATM fee refund amount.
Summary: I used WingSpan for my online bank starting in 1999 and was pleased with it. Then they were bought out by Bank One (or were technically owned by them in the first place) and Bank One for some reason decided to change the great interface of WingSpan to a ... read more
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Rated a Helpful Review by the Epinions community
Jul 15, 2003
Pros: Lean, mean, banking machine. Interest checking.
Cons: No local branches to visit.
Summary: I have been a customer of First Internet Bank of America for over two years now, and can not say eno ... read more
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Rated a Helpful Review by the Epinions community
Feb 25, 2003
Pros: fast, easy, all the features I needed
Cons: wiring funds a bit insecure
Summary: I've been using online banking since online meant using Quicken and a Modem to call your bank.
Fees are reasonable at 1stIB and the interest rates are better than 90% of local banks. I earn 1.5% on checking and 2% on savings at a time when ... read more
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Rated a Helpful Review by the Epinions community
Oct 1, 2002
Pros: Low or no cost banking. Free Bill Pay.
2.05% interest on checking.
Cons: Must maintain $500 average monthly balance to avoid charges.
Summary: This review applies to the First Internet Bank of Indiana checking account, as it is the only account I have with them.
When I opened my account with FIBI, I had 3 goals:
1.) Never have to physically visit the bank
... read more
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Rated a Helpful Review by the Epinions community
Sep 10, 2002
Pros: Great rates, Responsive Customer Service, no fees (low min. balance required)
Cons: Limited Deposit Options, So So looking site
Summary: I switched to FIB about a year ago from another online bank. I was attracted by the above average rates they offered on their savings products. I have definitely not regretted my decision! The rates are certainly well above average - consistently so - ... read more
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Rated a Somewhat Helpful Review by the Epinions community
Mar 2, 2002
Pros: ATM fee refunds, Great customer service, good rates! Won't go under, makes money!
Cons: Slow ATM deposits, not good for those that deposit cash.
Summary: I'm writing this to defend this bank from those complaining about the minimum $500 balance to avoid fees. If you don't have enough financial ability to have $500 lying around I don't want your opinion on a bank! FIB is great, stop being annoyed by this ... read more
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Rated a Somewhat Helpful Review by the Epinions community
Aug 9, 2001
Pros: Very courteous and professional, yet friendly and helpful.
Cons: None apparent at this time.
Summary: I transferred my accounts to FirstIB about two years ago. I have checking, IRAs and CDs. Their rates are much better than I got from other banks and insurance companies. Their response time to my inquiries has been prompt and courteous. They also have ... read more
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Rated a Helpful Review by the Epinions community
Jul 2, 2001
Pros: great interest rates, lots of free services
Cons: buggy/inconsistent system, no more interest checking w/o minimum balance
Summary: GOOD ASPECTS
Don't get me wrong, it's a pretty darn good bank for an online bank: they give great CD, loan, and money market rates (all of which I have used), and free online bill-pay is a great new luxury. They even have VISA deposits, which ... read more
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