Founded in 1999 as one of North America's original fully online banks, First Internet Bank (FDIC-Insured, Indiana State-Chartered) brings over a quarter-century of digital innovation and a $5.6B+ asset balance sheet to modern FinTech partnerships. Rather than offering rigid, pre-packaged BaaS bundles, First Internet Bank delivers tailored, open-banking infrastructure designed for high-growth tech platforms, card issuers, and specialized lenders.

Through its dedicated FinTech partnership team, First Internet Bank provides flexible demand deposit account (DDA) structures, branded business and consumer credit/debit card sponsorship, and comprehensive multi-rail payments—spanning ACH, same-day ACH, wires, RTP, and FedNow. FinTechs and software platforms can build compliant, scalable banking and credit products backed by direct bank relationships and dedicated BSA/AML operational oversight.

• Digital Pioneer Scale: $5.6B+ asset national balance sheet paired with 25+ years of pure digital banking experience.

• Open Banking Architecture: API-first infrastructure designed for fast onboarding, custom ledgering, and embedded financial products.

• Flexible Card Sponsorship: Issue branded business or consumer debit and credit card products tailored to your brand.

• Advanced Multi-Rail Payments: Programmatic money movement via ACH, Same-Day ACH, wires, RTP, FedNow, and check issuance.

• LendAPI Orchestration: Connect First Internet Bank’s loan origination, deposit setup, and compliance endpoints directly into LendAPI’s visual workflow studio.

Key Features

• Custom Banking Architecture: Tailored DDA and sub-ledger setups that avoid one-size-fits-all middleware constraints.

• Branded Debit & Credit Cards: Complete issuing sponsorship for business charge cards, consumer credit products, and digital wallet debit cards.

• Real-Time Payment Rails: High-speed clearing and settlement via RTP and FedNow networks alongside traditional ACH and wire channels.

• Custom Lending Solutions: Originate commercial loans, consumer credit lines, and specialized financing under First Internet Bank’s chartered authority.

• Dedicated Compliance Framework: Standardized due diligence, active BSA/AML oversight, and ongoing product risk management.