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First Internet Bank vs U.S. Bank: what each publishes

As of October 17, 2026, we hold no rule from First Internet Bank or U.S. Bank on the 7 industries we track; below, side by side: where each takes companies from, its fees, its terms on closing accounts and its licence.

First Internet BankFDICU.S. BankFDIC / OCC

Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.

Where it takes companies from

First Internet Bank

The regions its own documents name, read on October 16, 2026

U.S. Bank

The regions its own documents name, read on October 9, 2026

Policy by industry

First Internet Bank and U.S. Bank: published policy by industry
IndustryFirst Internet BankU.S. Bank
CryptoNo published ruleNo published rule
iGamingNo published ruleNo published rule
AdultNo published ruleNo published rule
Unlicensed financial servicesNo published ruleNo published rule
AI and SaaSNo published ruleNo published rule
Forex and CFDNo published ruleNo published rule
MarketplaceNo published ruleNo published rule

Where owners must live

First Internet Bank

Yes, you must be a U.S. citizen or U.S. resident alien with a U.S. taxpayer identification number, U.S. residential or business address (P.O Box address is not permissible) and U.S. phone number to open an account with First Internet Bank.

Owners and directors · · Source

U.S. Bank

No published rule

Rules about countries

First Internet Bank

No published rule

U.S. Bank

No published rule

Fees

First Internet Bank

First Internet Bank: published fees
PlanAccount openingMonthlyChecked
Do More Business CheckingNot statedNone ('There are no monthly maintenance fees, no overdraft fees, and no per-transaction fees') · Source

U.S. Bank

U.S. Bank: published fees
PlanAccount openingMonthlyChecked
Business EssentialsNot statedUSD 0 monthly maintenance fee · Source
Gold Business Checking PackageNot statedUSD 20, waivable (for example with a USD 10,000 average collected checking balance) · Source
Platinum Business Checking PackageNot statedUSD 30, waivable (for example with a USD 25,000 average collected checking balance) · Source
Premium Business Checking PackageNot statedUSD 34, an earnings credit can offset it · Source

Closing an account

First Internet Bank

We will attempt to provide you reasonable notice of the account hold or closure. However, in some cases it might be reasonable for us to give you notice after the hold or account closure becomes effective.

Notice before closing · · Source

Account closed or frozen? What First Internet Bank’s terms say

U.S. Bank

If we close your account, we will send you notice within ten days after closing and/or indicate the closure on your next account statement.

Notice before closing · · Source

Account closed or frozen? What U.S. Bank’s terms say

Licence

LicenseeFirst Internet BankU.S. Bank
LicenseeFirst Internet Bank of Indiana · Indiana state-chartered bank, Member FDIC (FDIC cert 34607)U.S. Bank National Association · national bank chartered by the OCC, Member FDIC (FDIC cert 6548)
RegulatorFDIC · FDIC / OCC ·