Lower Overhead Costs: Without the expense of a physical branch network, First Internet Bancorp enjoys significantly reduced operating costs related to real estate, maintenance, and associated staffing, leading to greater profitability.

Expanded Geographic Reach: As an entirely online institution, the bank is not limited by physical locations and can serve customers and businesses across all 50 states, accessing a much larger potential market than traditional banks.

Digital-First Innovation: Built from the ground up as a digital bank, INBK possesses an inherent advantage in developing and deploying cutting-edge online banking tools and services, unburdened by legacy systems or the need to retrofit digital solutions.