Capital FDIC Indiana Retail 
Jeff For Banks
MARCH 5, 2021
Similarly, the annual operating cost per account for a retail checking account is $398. With a 1.89% spread and with 0.91% average fees as a percent of balances, the average balance of a retail checking account would have to be over $14,000 to be profitable. Retail banking is heavily regulated. What does that write-up look like?
Jeff For Banks
MARCH 27, 2010
They troll the web for best rate banks, assuming one depository with FDIC insurance is no better than another. First Internet Bank of Indiana is primarily a pure Internet play that does not enjoy the same brand splash as ING. They pursue a retail strategy to generate additional funding for their commercial lending line of business.
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