Of 60 answers

The most named companies in the study, and S&P 500 financials, with how many of their 60 AI answers named them.

SWIFT47/60TRANSUNION46/60EXPERIAN42/60COINSTAR41/60NAVY FEDERAL CREDIT UNION41/60ZELLE41/60BLOOMBERG L.P.38/60TRADINGVIEW38/60BANCO POPULAR DE PUERTO RICO37/60PAYPAL37/60VENMO37/60CHEXSYSTEMS33/60EQUIFAX33/60MORNINGSTAR32/60S&P GLOBAL31/60ALPACA MARKETS30/60COINBASE30/60PINWHEEL29/60STRIPE29/60XERO29/60ACORNS28/60AFFIRM28/60PAYFAST (PAYGATE)28/60PAYONEER28/60INTERACTIVE BROKERS26/60CHARLES SCHWAB19/60THE HARTFORD9/60MOODY'S21/60CME GROUP19/60ACCENTURE11/60CHUBB10/60MORGAN STANLEY6/60AMERICAN EXPRESS14/60SYNCHRONY FINANCIAL12/60FACTSET20/60NASDAQ19/60ALLSTATE11/60WELLS FARGO18/60PAYCHEX10/60ARES MANAGEMENT3/60
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Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder

First Internet Bank of Indiana

firstinternetbancorp.comINBK

Digital banks and neobanksBanking

Also in the US AI Visibility Study

Statement period
September 23 to 25, 2026
when the AI assistants were asked
Account no.
1,787 of 2,219
its rank by overall score
Place in its category
25th of 32 digital banks
Closing balance

Named in

0of 60, its tower is dark

by 0 of 4 assistants

Statement note

What this means for First Internet Bank of Indiana

AI assistants do not name First Internet Bank of Indiana in any of their 60 answers to questions about the banking sector. Its overall score is 25 out of 100, ranking 1,787th of 2,219 companies and 294th of 394 banking sector companies. The website passes 2 of the 14 technical checks for AI tool readiness.

We asked 15 unbranded questions about its market, so no question mentioned First Internet Bank of Indiana by name. AI assistants named it in none of the 60 answers. Counting only how often it is named, it ranks 188th of 394 in its sector. The typical banking company is named in 0.0% of answers.

Named fewer than three times in total. Read this as a sign that AI assistants rarely bring this company up, not as an exact comparison with its peers.

Overall score
25Overall score
  • Visibility0
  • Citations0
  • Sentiment50
  • Site quality73
  • AI readiness29
Summary of account
Named by AI in
0.0%
0 of 60 answers
Share of mentions
0.0%
of the mentions of it and its 5 peers
AI readiness
2/14
technical checks passed. Typical for its sector: 3
Rank in its sector
294 of 394
by overall score, where the typical banking company scores 28

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Line itemsSection 01

Every question, and where the company came up

First Internet Bank of Indiana came up on 0 of 15 questions. Open any window to read that answer.

  1. 01What are the pros and cons of using an online-only bank for everyday checking and savings accounts?0/4
  2. 02Alternatives to online banks for individuals seeking fee-free ATM access nationwide0/4
  3. 03Is switching to a fully digital bank worth it for managing both personal and business accounts?0/4
  4. 04Can online-only banks support remote deposit for checks received by small businesses?0/4
  5. 05How do digital banks handle multiple account management for commercial clients?0/4
  6. 06How does an online-only bank compare to a traditional bank for commercial lending solutions?0/4
  7. 07What should I do if my online bank account gets locked while traveling abroad?0/4
  8. 08Best online banks for small business owners looking for 24/7 account access0/4
  9. 09Are there minimum balance requirements for small business accounts at digital banks?0/4
  10. 10How to resolve issues with wire transfers through an online banking platform?0/4
  11. 11What are typical fees associated with online-only checking accounts in the U.S.?0/4
  12. 12Which online banks offer the best customer support for managing commercial deposits?0/4
  13. 13Are high-yield savings accounts from online banks a good option in the current interest rate environment?0/4
  14. 14Mobile banking app vs desktop banking portal—what are the key differences for business customers?0/4
  15. 15What are some non-bank alternatives for business cash management in the United States?0/4
Total namedOpenAI: 0/15Claude: 0/15Perplexity: 0/15Gemini: 0/15All assistants: 0/60
named the companyanswered without naming itdid not answer

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. Across the study, on 50% of the questions where a company is named, only one AI assistant names it.

Transaction detailSection 02

What Gemini actually said

The company is not named in this answer

Geminidid not name the company

“Alternatives to online banks for individuals seeking fee-free ATM access nationwide”

For individuals seeking fee-free ATM access nationwide without relying solely on online banks, several alternatives offer extensive ATM networks and reimbursement programs. These options often come from traditional banks with large networks, credit unions, and some digital-first banking solutions that are not exclusively online banks.

Here are some of the best alternatives:

1. Credit Unions:

Credit unions are known for their member-focused approach, which often includesनाथन: credit union benefits. Many participate in shared ATM networks, significantly expanding their fee-free ATM access. …

The AI’s answer as we received it, shortened and not checked for accuracy.

PayeesSection 03

Where the mentions went

The companies these answers named, and how the mentions were split between this company and its peers.

Share of mentions

CompanyShare
  1. Axos Bank
    66.7%
  2. Ally Bank
    33.3%
  3. First Internet Bank of Indiana
    0.0%
  4. Bank5 Connect
    0.0%
  5. Varo Bank
    0.0%
  6. NBKC Bank
    0.0%
ReferrersSection 04

Websites the AI used as sources

How many times each website was listed as a source in these answers

  1. 01
    forbes.com
    27
  2. 02
    nerdwallet.com
    23
  3. 03
    bankrate.com
    17
  4. 04
    brex.com
    13
  5. 05
    bluevine.com
    12
  6. 06
    wise.com
    10
  7. 07
    cnbc.com
    10
  8. 08
    airwallex.com
    10
  9. 09
    chime.com
    10
  10. 10
    chase.com
    10

First Internet Bank of Indiana is in the study as a digital bank.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Gemini
0/15
Perplexity
0/15
Claude
0/15
OpenAI
0/15
Market comparisonSection 06

How First Internet Bank of Indiana compares with all 2,219 companies

Every tower is a company in the study, taller for a higher overall score and lit where AI assistants named it. Its own group stays lit. Hover a tower to see it, and click to open it.

What makes up the score

Each part is scored out of 100.

Visibility
0

How often AI assistants name the company, and how that compares with its peers

Citations
0

How often AI uses the company's own website as a source

Sentiment
50

How positively AI describes the company

Site quality
73

How well built the website's own pages are

AI readiness
29

How easily AI tools can read and use the website

Visibility is calculated from the answers on this page. How the score is built.

Against its sectorSection 07

Compared with banking companies

394 companies in this sector. The gold tick on each bar is the typical company.

Overall score
25
Ranks 294 of 394. Typical company: 28
Named in answers
0.0%
Ranks 188 of 394. Typical company: 0.0%
AI readiness
29
Ranks 82 of 394. Typical company: 29
Against its categorySection 08

Compared with digital banks

32 companies in this category. The gold tick on each bar is the typical company.

Overall score
25
Ranks 24 of 32. Typical company: 28
Named in answers
0.0%
Ranks 14 of 32. Typical company: 0.0%
AI readiness
29
Ranks 10 of 32. Typical company: 29
AI agentsSection 09

Ready for AI agents

What this website publishes for an AI agent to read, use and pay through, on a scale of six levels.

  1. 0
  2. 1
  3. 2
  4. 3
  5. 4
  6. 5

Level 0: Not yet agent-ready. Agents struggle to find basic information about the site.

To reach level 1:
  • 2 of robots.txt, Sitemap, Link headers

The website turns away requests that do not come from a browser. AI agents that say what they are meet the same refusal.

Can an AI agent check out here?

Not by itself. First Internet Bank of Indiana publishes none of the agent payment protocols we look for. An agent would have to click through the website like a person.

Agent payment protocols
  • x402Not present
  • MPPNot present
  • AP2Not present
  • ACPNot present
  • UCPNot present
Interfaces for AI agents
  • MCP Server CardNot present
  • A2A Agent CardNot present
  • Agent SkillsNot present
  • API CatalogNot present
  • llms.txtNot present
  • WebMCPNot present
Show every check, for your technical team
Discoverability
41 of 100
  • robots.txtPassed

    A valid robots.txt with crawl rules at the site root.

    study: 86.1%
  • SitemapNot met

    Serve an XML sitemap and reference it from robots.txt.

    study: 87.9%
  • Link headersNot met

    Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.

    study: 1.5%
  • DNS for AI DiscoveryNot present

    Advertise agent endpoints with SVCB records under _agents.

    study: 4.3%
Content accessibility
0 of 100
  • Markdown negotiationNot met

    Return a markdown version when asked with Accept: text/markdown, for example at the CDN.

    study: 6.2%
  • llms.txtNot met

    Publish an llms.txt with a short summary and the key links.

    study: 31.0%
Bot access control
32 of 100
  • AI bot rulesPartly met

    Add explicit robots.txt groups for the main AI crawlers.

    study: 92.7%
  • Content SignalsNot met

    Add a Content-Signal line for search, ai-input and ai-train to robots.txt.

    study: 2.3%
  • Web Bot AuthNot present

    Only relevant if you run your own agents or crawlers: publish a signing key directory.

    study: 0.3%
APIs, auth and MCP
0 of 100
  • API CatalogNot met

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 1.3%
  • OAuth discoveryNot met

    Publish OpenID Connect or OAuth server metadata under /.well-known.

    study: 6.3%
  • OAuth Protected ResourceNot met

    Serve protected resource metadata at /.well-known/oauth-protected-resource.

    study: 5.3%
  • auth.mdNot met

    Publish an auth.md describing how agents sign in.

    study: 0.2%
  • MCP Server CardNot met

    Offer an MCP server and publish its server card under /.well-known.

    study: 0.8%
  • A2A Agent CardNot met

    Publish an agent card at /.well-known/agent-card.json.

    study: 0.2%
  • Agent SkillsNot met

    Publish a skills index with the main tasks agents can do.

    study: 1.0%
  • WebMCPNot met

    Register key actions such as search or cart as WebMCP tools.

    study: 0.0%
  • ARD manifestNot met

    Publish an ai-catalog.json listing every agent interface.

    study: 0.2%

Score 16 of 100 · 100% of checks could run · checked on October 4, 2026 · firstinternetbancorp.com · 2,200 companies scanned

See how every company did, and how this was measured.

AI readinessSection 10

The checks behind the AI readiness score

2 of 14 passed. This list is for your technical team. The percentage is how many companies in the study pass each check.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Show the 14 checks

Discoverability

  • Passedrobots.txt publishedstudy: 85.1%
  • Not metXML sitemapstudy: 79.4%
  • Not metHTTP Link headers (RFC 8288)study: 42.5%

Content Accessibility

  • Not metMarkdown content negotiationstudy: 7.4%
  • Not metllms.txt publishedstudy: 28.1%
  • PassedToken budget (page weight)study: 97.3%

Bot Access Control

  • Not metExplicit AI bot rulesstudy: 11.5%

API / Auth / MCP

  • Not metAPI Catalog (.well-known/api-catalog)study: 1.1%
  • Not metOAuth Authorization Server discoverystudy: 5.2%
  • Not metOAuth Protected Resource discoverystudy: 4.6%
  • Not metMCP Server Cardstudy: 0.2%
  • Not metA2A Agent Cardstudy: 0.0%
  • Not metWebMCP toolsstudy: 0.3%
  • Not metAgent Skills declaredstudy: 0.1%
AI crawlersSection 11

What AI crawlers may read (robots.txt)

This website sets no rules for any AI crawler by name, like 86% of the websites whose rules we could read. Every AI crawler follows its general rules.

Training AI

  • GPTBotallowed
  • ClaudeBotallowed
  • Anthropic-AIallowed
  • Google-Extendedallowed
  • Applebot-Extendedallowed
  • Meta-ExternalAgentallowed
  • FacebookBotallowed
  • Bytespiderallowed
  • CCBotallowed
  • Diffbotallowed
  • Omgilibotallowed

AI search

  • OAI-SearchBotallowed
  • Claude-SearchBotallowed
  • PerplexityBotallowed
  • Applebotallowed
  • Amazonbotallowed
  • YouBotallowed

Answering questions

  • ChatGPT-Userallowed
  • Claude-Userallowed
  • Perplexity-Userallowed
  • DuckAssistBotallowed
  • MistralAI-Userallowed

Read from the website’s own rules file (robots.txt). An asterisk marks a crawler the file names. The rest follow its general rules. “Partly” means only some pages are blocked.

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End of statement
All 2,219 companiesHow we measured this
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