First Internet Bank of Indiana

Headquarters: Fishers, Indiana
Charter: Bank
Assets: $5.5B
Fed district: Chicago
Regulator: FDIC
Holding company: First Internet Bancorp

11 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 3, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 3, 2026

How these figures are measured

Call-report figures are for First Internet Bank of Indiana at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	First Internet Bank of Indiana's published fee schedule; Bank Fee Index medians	Current schedule	Nov 3, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: First Internet Bank of Indiana (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $101K in Q2 2026, 51% above the same quarter a year earlier ($67K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Interest Checking
First Internet Bank of Indiana: $5 to $10
First Internet Bank of Indiana: $5 to $10
U.S. median: no median
NSF / Returned Item
First Internet Bank of Indiana: $20
First Internet Bank of Indiana: $20
U.S. median: no median
Wire Transfer (Domestic Out)
First Internet Bank of Indiana: $20
First Internet Bank of Indiana: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Indiana, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Indiana: Banks and credit unions headquartered in Indiana that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 20% from Q3 2025 to Q2 2026, to $101K.

Service-charge income, Q2 2026

$101K

$84KQ3 2025

$98KQ4 2025

$85KQ1 2026

$101KQ2 2026

Against the median

First Internet Bank of IndianaMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

First Internet Bank of Indiana · $5.5B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$5B to $6.2B in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First Internet Bank of Indiana(this institution)	Fishers, IN	$5.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Alerus Financial, National Association	Grand Forks, ND	$5.3B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Banesco USA	Miami, FL	$6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bradesco Bank	Coral Gables, FL	$6.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Broadway National Bank	San Antonio, TX	$5.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
CFG Bank	Lutherville, MD	$6.1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Community Bank of Mississippi	Flowood, MS	$5.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community West Bank	Fresno, CA	$5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Emigrant Bank	Miami, FL	$5.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
First Financial Bank, National Association	Terre Haute, IN	$6.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First International Bank & Trust	Watford City, ND	$6.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank Alaska	Anchorage, AK	$5.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Firstrust Savings Bank	Conshohocken, PA	$5.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Great Southern Bank	Reeds Spring, MO	$5.5B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Independent Bank	Grand Rapids, MI	$5.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Institution for Savings in Newburyport and Its Vicinity	Newburyport, MA	$5.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Middlesex Savings Bank	Natick, MA	$6.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Morton Community Bank	Morton, IL	$5.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northeast Bank	Portland, ME	$5.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Orrstown Bank	Harrisburg, PA	$5.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
River City Bank	Sacramento, CA	$6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Shore United Bank, National Association	Easton, MD	$6.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Southern Bank	Poplar Bluff, MO	$5.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Southern Bank and Trust Company	Mount Olive, NC	$5.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Westamerica Bank	San Rafael, CA	$5.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wilson Bank and Trust	Lebanon, TN	$6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is broadly aligned with similar-sized banks: within 1% of their median.

Compared at $10, the middle of its two prices, against a peer median of $10 among 15 publishing peers.

Its two checking prices are $5 and $10.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

First Internet Bank of In…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First Internet Bank of Indiana (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $101K
vs prior quarter: +$16K+18.8%; from Q1 2026
vs a year earlier: +$34K+50.7%; from Q2 2025
vs start of range: +$30K+42.3%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First Internet Bank of Indiana (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$101K	+$16K	+18.8%
Q1 2026	$85K	−$13K	−13.3%
Q4 2025	$98K	+$14K	+16.7%
Q3 2025	$84K	+$17K	+25.4%
Q2 2025	$67K	−$2K	−2.9%
Q1 2025	$69K	$0	0.0%
Q4 2024	$69K	−$2K	−2.8%
Q3 2024	$71K	−$5K	−6.6%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from First Internet Bank of Indiana’s own schedules, with a source for each figure.

Account Maintenance

Interest Checking Monthly maintenance fee$10
per month
Monthly maintenance fee$5
per month
Dormant account fee$5
per month
Account reconcilement assistance$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Returned Item Fee$20
per item

ATM & Card

International service assessment fee2%of the transaction

Wire Transfers

Wire Transfers: Outgoing transfers – domestic$20
Wire Transfers: Outgoing transfers – foreign$50

Check Services

Cashiers checks$5
per item
Stop Payment Fee$30
per item

Cash & Deposit

Returned Deposited Item Fee$20
per item

Account Services

Garnishments, executions and levies$50

Other Fees

Overnight delivery$30
Document Reproduction$3

Fee	Amount	Basis	Note
Account Maintenance
Interest Checking Monthly maintenance fee	$10	per month	None
Monthly maintenance fee	$5	per month	None
Dormant account fee	$5	per month	None
Account reconcilement assistance	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Returned Item Fee	$20	per item	None
ATM & Card
International service assessment fee	2%of the transaction	Not stated	None
Wire Transfers
Wire Transfers: Outgoing transfers – domestic	$20	Not stated	None
Wire Transfers: Outgoing transfers – foreign	$50	Not stated	None
Check Services
Cashiers checks	$5	per item	None
Stop Payment Fee	$30	per item	None
Cash & Deposit
Returned Deposited Item Fee	$20	per item	None
Account Services
Garnishments, executions and levies	$50	Not stated	None
Other Fees
Overnight delivery	$30	Not stated	None
Document Reproduction	$3	Not stated	None

Correct a fee source

Nov 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where First Internet Bank of Indiana operates, and what regulators and customers have on file.

Market position

In Indianapolis-Carmel-Greenwood, IN, First Internet Bank of Indiana holds 5.3% of bank deposits, #6 of 49, with 1 office.

Compare fees with the 47 Indianapolis-Carmel-Greenwood, IN banks and credit unions in its home-metro peer set →

Offices in the metro

605 offices of 83 institutions shown.

First Internet Bank of IndianaOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Indianapolis-Carmel-Greenwood, IN metro (FDIC metro code 26900), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 9 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1JPMorgan Chase Bank, National Association16.7%
2Merchants Bank of Indiana14.8%
3PNC Bank, National Association14.1%
4Fifth Third Bank, National Association6.9%
5The Huntington National Bank6.6%
6First Internet Bank of Indiana5.3%
7First Merchants Bank5.1%
8BMO Bank National Association4.3%

8 of 49 institutions shown. $91.8B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Indianapolis-Carmel-Greenwood, IN metro (FDIC metro code 26900)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 5.3% share, 1 office, #6 of 49

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Indianapolis-Carmel-Greenwood, IN metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

127 offices of 34 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Holding company

First Internet Bancorp (Nasdaq: INBK)

Consolidated assets

$5.6B

Shareholders' equity

$363.5M

As of

2026Q2

Net income by quarter

Recent SEC filings

8-K8-K2026-10-29View
8-K8-K2026-09-21View
8-K8-K2026-09-10View
10-Q10-Q2026-08-05View
8-K8-K2026-07-30View
8-K8-K2026-06-16View
8-K8-K2026-05-20View
10-Q10-Q2026-05-06View
8-K8-K2026-04-30View
DEF 14ADEF 14A2026-03-27View
8-K8-K2026-03-17View
10-K10-K2026-03-11View

Source: SEC EDGAR filings and XBRL financial data, CIK 1562463. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.

Fee change alerts

Get an email when First Internet Bank of Indiana's wire transfer changes in our data

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