First Internet Bank announced a secure new way for business and personal customers to unlock powerful, personalized financial insights from the accounts they already use every day. Through a permission-based connection to AI assistants such as OpenAI’s ChatGPT* and Anthropic’s Claude*, customers can ask questions in plain language and receive answers based on their own First Internet Bank account activity.

The result is a breakthrough experience: financial analysis that once required lengthy spreadsheet work, manual reviews or dedicated planning resources can now happen through a simple conversation. Customers can explore spending, savings, cash flow, balances, and account activity, then use those insights to make more confident decisions in the moments that matter.

Powered by Model Context Protocol (MCP), the capability creates a read-only connection between supported AI assistants and First Internet Bank business and personal checking, savings, and money market accounts. Customers choose what information is shared, remain in control of access and can update or revoke permissions at any time.

"For years, sophisticated financial analysis was largely limited to organizations with dedicated financial planning and analysis teams," said David Becker, Chairman and Chief Executive Officer of First Internet Bank. "Today, we're putting that power directly into the hands of businesses and consumers alike. What once required spreadsheets, manual reviews or specialized financial resources can now happen through a simple conversation powered by each customer's own financial data. That's a fundamentally new way to understand and manage your finances."

With this capability, customers can move beyond static account information and get answers tailored to their own financial picture. A small business owner can ask whether cash on hand is sufficient to cover upcoming payroll, vendors that are driving the most spend or how cash flow has changed over the last 90 days. A personal banking customer can ask how much they have spent dining out this month, identify recurring subscriptions or see how much they have saved so far this year.

Security and transparency remain central to the experience. AI assistants can analyze only customer-authorized account information. They cannot move money, initiate transactions or modify account settings, and customer banking data is not used to train AI models.