First Internet Bank is a pioneering online bank founded in 1999, operating without physical branches. It offers a range of financial services including interest-bearing checking accounts, savings accounts, money market accounts, CDs, personal loans, and business banking solutions like SBA financing and commercial loans[1][3][5]. The bank serves both personal and business clients across the U.S., focusing on convenience and competitive APYs[3][5]. Its unique selling proposition is its branchless model, providing accessible banking services nationwide with low fees and attractive rates[3][5].