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Business Checking
Bank · First Internet Bank

Do More Business Checking

Account terms and deposit structure with claim-level evidence and unresolved questions.

By Jack WhelchelLast checked October 1, 2026 2 sources on fileHow we researchEditorial standardsAdvertiser disclosure

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Evidence and open questions · 6 supported · 6 open

Follow-up first-party review on October 1, 2026 added or updated: Eligibility, Branch access. Other claims retain their individual evidence status; this is not a blanket certification.

Monthly fee · Verified · Checked 2026-10-01

$0 monthly maintenance fee

Source 1
Fee waiver · Unverified · Checked 2026-10-01

Not established in the retrieved material for this specific account; check the account agreement.

Source 1
Checking APY · Verified · Checked 2026-10-01

0.50% variable APY with a $10,000 average daily balance

Source 1
Opening deposit · Unverified · Checked 2026-10-01

Not established in the retrieved material for this specific account; check the account agreement.

Source 1
Minimum balance · Unverified · Checked 2026-10-01

Not established in the retrieved material for this specific account; check the account agreement.

Source 1
Transactions · Verified · Checked 2026-10-01

Unlimited transactions without per-transaction fees on the product page.

Source 1
Cash deposits · Unverified · Checked 2026-10-01

Not established in the retrieved material for this specific account; check the account agreement.

Source 1
ATM access · Verified · Checked 2026-10-01

Up to $10 per month in ATM-fee reimbursements.

Source 1
Deposit provider · Unverified · Checked 2026-10-01

Not established in the retrieved material for this specific account; check the account agreement.

Source 1
Deposit insurance · Unverified · Checked 2026-10-01

Not established in the retrieved material for this specific account; check the account agreement.

Source 1
Eligibility · Conditional · Checked 2026-10-01

Application documentation depends on business structure: EIN/SSN as applicable, formation or registration documents, beneficial-owner and authorized-signer information. Approval remains required.

Source 1
Branch access · Verified · Checked 2026-10-01

Online bank with no physical branches.

Source 1

“Verified” means the linked source states this claim, not that every applicant receives the advertised terms. “Unverified” means the review did not establish the claim; it does not mean the provider publishes no information. Conflicts can reflect retrieval freshness or different offers. How we verify

Application requirements

Application documentation depends on business structure: EIN/SSN as applicable, formation or registration documents, beneficial-owner and authorized-signer information. Approval remains required.

Check the exact business type, ownership documents and location rules before applying. A listed requirement does not guarantee approval.

Account at a Glance

Monthly fee
$0 monthly maintenance fee
APY
0.50% variable APY with a $10,000 average daily balance
Opening deposit
Not verified in this review
Minimum balance
Not verified in this review
Transaction limits
Unlimited transactions without per-transaction fees on the product page.
Cash deposits
Not verified in this review; confirm the exact offer.
ATM access
Up to $10 per month in ATM-fee reimbursements.
Branches
No physical branches

Where the Deposits Sit

Not verified in this review; confirm the exact offer.

Not verified in this review; confirm the exact offer.

Earlier source ledger

These dated records preserve earlier research. Use the claim evidence above for the latest review and any conflicts.

First Internet Bank Balance Optimizer and checking rate
Rates and Fees · Accessed 2026-08-29

Current page confirms 0.50% APY on Do More Business Checking with a qualifying $10,000 daily balance and describes optional automated movement to higher-yield business savings.

First Internet Bank Do More Business Checking
Primary Product Page · Accessed 2026-08-29

Current page states unlimited transactions, no maintenance or overdraft fees, 0.50% APY with a $10,000 average daily balance, Zelle for eligible business customers, and up to $10 monthly ATM fee reimbursement.