Skip to Content
Welcome to 1st Source Bank! Our system detects the security of your connection is outdated. Please do not enter any confidential information on our site until you upgrade your browser to its latest version. Out-of-date browser software provides an opportunity for scams and could expose your financial data to fraud. 1st Source values the safety and security of our clients' accounts and information.
 
Should you have any questions or continue to have an issue, please contact our Customer Service Center at (574) 235-2000 or (800) 513-2360. Thank you for your cooperation and patience.
 
Our system cannot verify the security of your device. Please click here to try a page refresh. If you continue to get this message, please do not enter any confidential information on our site. 1st Source values the safety and security of our clients' accounts and information.
 
Should you have any questions or continue to have an issue, please contact our Customer Service Center at (574) 235-2000 or (800) 513-2360. Thank you for your cooperation and patience.
Welcome to 1st Source Bank! Your Internet Explorer browser is viewing our site in "Compatibility Mode". To properly view our site, we ask to follow these four simple steps to remove 1stsource.com from Compatibility View. This should take only a minute to resolve.

Should you continue to have an issue, please contact our Customer Service Center at (574) 235-2000 or (800) 513-2360. Thank you for your cooperation and patience.
Welcome to 1st Source Bank. To avoid feature functionally loss on 1stsource.com, potential interruption to your online banking and to assure better protection of your device, update the browser you are using as soon as possible. Out-of-date browser software provides an opportunity for scams and could expose your financial data to fraud. 1st Source values the safety and security of our clients' accounts.

For security reasons, we could soon disable access to 1st Source Online Banking for anyone using an out of date browser. Update your Internet browser today. For instructions on how to perform the update contact a reputable computer professional for assistance.

If you require immediate access, you may use this InfoSource Online Banking link to login.
1st Source Bank Home
Sign In To Online Banking
  • 1st Source Bank Home
  • Sign In To Online Banking
  • Locations
  • Contact Us
  • Help
  • Personal
    • Personal Online/Mobile
      Personal Online Banking
      • Sign up for Online Banking ⇨
      • Bill Payment
      • e-Statements
      • Zelle
      • Money Management
      • Purchase Rewards
      • Bank-to-Bank Transfer
      • Quicken Direct Connect
      • Shared Access
      • Spanish Option
      Access Your Accounts
      Mobile Banking
      • Personal Mobile App
      • Smartwatch App
      • Text Banking
      • Voice Banking
      Alexa
      Card Control
      Digital Wallet
      • Mastercard Click to Pay
      Online/Mobile Advice
      • Website Password Strategies
      • Common Phone Scams
      • Understanding Basics on Mobile Payments
      Online/Mobile Help
      • How to Register for Mobile?
      • How to Make a Mobile Deposit
      • Need Help Logging In?
    • 1st Source Bank Personal Checking
      Our Checking Accounts
      • Your Account Options
      • Personal Checking Help
      • What's My Routing Number?
      • Reorder Checks
      • Private Banking
      1st Source Bank Personal Overdraft Services
      • Debit and ATM Card Overdraft Choice
      • Overdraft Transfer Service
      • Carefree Line of Credit
      Related Services
      • Debit Card/ATM Card
      • Identity Theft Protection
      • Online/Mobile Banking
      Checking Advice
      • How to Switch to 1st Source
      • Intro to Online Billpay
      • Avoiding NSF & Overdraft Fees
    • Personal Savings
      Savings Accounts
      • EveryDay Interest Savings Account
      • e-Student Savings Account
      • Holiday Savings Account
      • Portfolio Savings Account
      • Savings Transfers
      Certificates of Deposit
      • Apply for a CD Now ⇨
      Individual Retirement Account (IRA)
      • Open an IRA Now ⇨
      Health Savings Account (HSA)
      • Open an HSA Now ⇨
      Savings Advice
      • Personal Savings Laddering Strategies for CDs
      • Build Savings with Direct Deposit
      • Personal Advice Building a Rainy Day Fund
      • Personal Advice Budgeting a Savings Plan
      Personal Savings Help
      • What are the Transaction Limits?
    • 1st Source Bank Personal Loans
      The Right Loan for You
      Consumer Loans
      • Apply for a Loan ⇨
      • Auto Loans
      • Consumer Personal Loans
      • Home Equity Line of Credit
      • Home Equity Term Loan
      • Home Improvement Loans
      • Credit Starter Loans
      1st Source Bank Personal Consumer Credit Cards
      • 1st Source Bank Apply for a Credit Card ⇨
      • 1st Source Bank Online Access
      Auto Loan Calculators
      • Personal Compare Two Vehicle Loans
      • Calculate a Vehicle Payment
      • Vehicle Affordability by Term
      Personal Loan Calculators
      • Personal Low Rate or Cash Back?
      • Transfer Credit Card Balances
      • Save or Pay Off Debt?
      • Make Bi-Weekly Payments
      1st Source Bank Personal Loan Advice
      • Credit & Debit Management
      • Credit and Debt Calculators
      • Our Calculate a Mortgage Payment
      • Calculate a Vehicle Payment
      Loan Help
      • Lower a new loan rate
      • How to make loan payments
      • Our minimum loan amounts
    • Personal Mortgage
      Personal Mortgage Loans
      • Apply for a Mortgage ⇨
      • Check Application Status ⇨
      • Personal Home Equity Line of Credit (HELOC)
      • Home Equity Term Loan
      • Refinancing
      Meet Our Team
      Mortgage Advice
      Home on Time Planner
      Homebuyer's Guide
      • Mortgage Basics
      • Getting Pre-Approved
      • Finding a Home
      • Making an Offer
      • Insuring Your Home
      • Closing Your Loan
      • Determine How Much You Can Afford
      Mortgage Calculators
      • Calculate Mortgage Payment
      • Compare Two Mortgage Loans
      • Personal Home Affordability
      Home Equity Calculators
      • Equity Loan or Line of Credit
      • Consolidating Debt with Home Equity
    • Wealth Management Investments/Planning
      Wealth Management
      • Estate and Tax Planning
      • Trust and Estate Administration
      • Investment Management
      • Philanthropic Services
      • Private Banking
      • Here for you in Florida
      Personal-Investment Manage Your Accounts
      • Learn More About Wealth Advisory Online
      • Access Wealth Advisory Online
      Investing
      • Overview of Services: 1st Source Asset Advisors
      • Meet Our Financial Consultants
      • Manage Your Accounts
      • Guided Wealth Portfolios | Sophisticated Online Platform
    • 1st Source Bank Personal Insurance
      Property / Casualty
      • Get an Insurance Quote ⇨
      • Property Casualty and Personal Insurance
      • Car & Automobile Insurance
      • Homeowners Insurance
      Life Insurance
      • Get a Life Insurance Quote ⇨
      Insurance Advice
      • 1st Source Insurance Locations
      • Why Choose 1st Source
      Insurance Help
      • Report a Claim
    • Security
  • Business
    • Business Treasury Services
      1st Source Bank's Business Treasury Services
      • Treasury Services Solutions
      Business Online/Mobile
      • Business Banking Online
      • BBO on the Go
      • Business Bill Pay
      • QuickBooks
      Deposit Services
      • Remote Deposit Express
      • Lockbox Services
      Merchant Card Services
      • PCI Compliance Management Program
      Business Fraud Protection
      • Protecting your Business Computers
      • Protecting Your Business from Scammers
      Business Treasury Services Help
      • Business Mobile Banking
    • 1st Source Bank's Business Checking
      Business Checking Accounts
      • Business Value Checking
      • Business Business Checking
      • Business Checking with Interest
      • Business Analysis Checking
      • Community Not-for-Profit Checking
      Business Debit Card
      • CardValet®
      Business Checking Overdraft Services
      Business Checking Advice
      1st Source Bank Business Checking Help
      • What's my routing number?
      • How do I reorder checks?
    • 1st Source Bank's Business Loans
      Business Loans
      • Financing Options
      • SBA Loans
      • Apply for a Business Loan
      • I would like a Business Banker to contact me
      Leasing
      • Leasing Benefits
      • Leasing Applications
      Business Credit Card
      • Apply for a Credit Card ⇨
      • Online Access
      Business Loan Advice
      1st Source Bank Business Loans Help
    • 1st Source Bank Business Specialty Financing
      More detail on Business Specialty Financing
      • Aircraft and Helicopter
      • Auto and Light Truck
      • Construction Equipment
      • Environmental Equipment
      • Shuttle & Luxury Bus
      • Step Vans
      • Funeral Cars
      • Commercial Lessor
      • Heavy and Medium Duty Truck
      • Motor Coach
    • Industry Expertise
      Industry Solutions
      • Ag Banking
      • Healthcare
      • Non-Profit Businesses
      • Solar Financing
      • Women's Financial Group
    • Our Business Insurance
      Business Business and Commercial Insurance
      • Business Commercial Insurance
      • Business Insurance Employee Benefits
      • Business Risk Management and Loss Control
      Advice and Planning
      • Personal Why Choose 1st Source Insurance
      Business Insurance Help
      • Personal Claim Reporting
      Business Insurance Links
      • Client Connect
      • Indiana Department of Insurance
      • Insurance Information Institute
    • 1st Source Bank Retirement Plan Services
      Business Retirement Plan Services
      • Business Retirement Plans
      • Business Business Retirement Plan Services
      • Business Why Choose Us
    • Beneficial Ownership Rule
  • Advice
    • Financial Education
    • 1st Source Personal Personal Advice
      Advice for Family Finances
      • Personal Identity Protection
      • Kids Money
      Credit and Debt
      • Credit Help
      • Debt Counseling
      Personal Money Management Money Management
      • Improve Your Finances
      • Create a Budget
      • Build your Savings
      • Pay Off Debt
      Workplace Finances
      • Personal Advice Employee Benefits
      • Paycheck Planning
      • Retirement Plans
      Home Ownership
      • Buying a Home
      • Advice for Mortgage
      • Home Equity
      • Refinancing
      Paying for College
      • Saving
      • Financing
      • Repaying Student Loans
      1st Source Bank Retirement
      • Saving for Retirement
      • Social Security
      • Living in Retirement
      Advice Security Center
    • Personal Calculators
      Credit and Debit Tools
      • Calculate Your Vehicle Payment
      • Advice Low Rate or Cash Back?
      • Compare Vehicle Loans by Term
      • Compare & Calculate Two Vehicle Loans
      • Are Credit Card Balance Transfers Worth It?
      • Debt Consolidation
      • How Long Will it Take to Pay Off a Credit Card?
      Family Finance Tools
      Home Ownership Tools
      • Calculate a Mortgage Payment
      • Buying a Home Home Affordability
      • Compare Two Mortgage Loans
      • Adjustable Rate Mortgage Analyzer
      Retirement Tools
      • How Long Will my Retirement Savings Last?
      • 401(k) Calculator
      • Retirement Income Estimator
      • Estimate Social Security Benefits
      Managing Money Tools
      • The Impact of Saving More
      Paying for College Tools
      • Save for College
    • Business Advice
      Run A Business
      • Insurance for Your Business
      • Communications and Work Anywhere
      • Managing Healthcare
      • Human Resource Solutions
      • Legal Resources
      • Running Your Office
      • SBA/Government Resources
      • Setting Up Your Business
      • Business Travel
      • Veteran Assistance
      Managing My Finances
      • Getting Capital
      • Exiting Your Business
      • Payroll Options
      • Optimizing Cash Flow
      • Bank Anywhere
      • Managing Your Financials
      Growing My Business
      • Providing Customer Service
      • Direct Selling Solutions
      • Selling Internationally
      • Branding & Product Marketing
      • Internet Marketing
      Industry Resources
      • Accounting
      • Construction
      • Dental
      • Legal
      • Medical
      • Retail
      • Real Estate
      Protecting My Business
      • IT Theft, ACH Fraud, & Tips
      Business Columns/Blogs
      • Business Finance
      • General Small Business
      • Technology & Social Media
      • Women in Business
    • Advice Business Calculators
      Business Calculators
      • Breakeven Analysis
      • Business Debt Consolidation
      • Business Valuation
      • Cash Flow Calculator
      • Commercial Loan
      • Debt Service Coverage
      • Equipment Buy vs. Lease
      • Financial Ratios
      • Inventory Analysis
      Financial Calculators
      • Like Kind Exchange
      • Profit Margin Calculator
      • Repo of Personal Property from a Deferred Payment Sale
      • Repo of Personal Property from an Installment Payment Sale
      • Repossession of Real Property
      • Working Capital Needs
      Business Worksheets
      • Business Plan Template
      • Income Statement Template (Excel)
      • Cash Flow Template (Excel)
      • Balance Sheet Template (Excel)
      • Budget Variance Template (Excel)
      • Start-up Expense Template (Excel)
      Company Intelligence
      Local Resources
  • About Us
    • Side-by-Side Banking
    • Locations
    • 1st Source Bank Career Opportunities
    • News
    • 1st Source Bank Community Involvement
      Community Leadership Award
      • Ernestine M. Raclin Award Winners
      Ernestine M. Raclin
      1st Source Foundation
    • Investor Relations
      Corporate Overview
      • Corporate Profile
      • Officers & Directors
      • Governance Documents
      • Committee Charting
      Stock Information
      • Stock Quotes
      • Historic Prices
      • Dividends
      SEC Filings
      • Documents
      • Annual Reports
      • Insider Filings
      • Institutional Ownership
      Investor Relations
      Financial Information
      • Financial Highlights
      • Financial Statements (As Reported)
      • Total Return Performance
      News & Market Data
      • Press Releases
      • Presentations
      Other Information
      • Information Request
      • Email Notification
      • FAQ
Your Property Help
You are here:
  1. Home
  2. Business
  3. 1st Source Bank Personal Help
  4. Frequently Asked Questions Mortgage Help
  5. Your Property

Your Property Help

What is an appraisal and who completes it?

To determine the value of the property you are purchasing or refinancing, an appraisal will be required. An appraisal report is a written description and estimate of the value of the property. National standards govern not only the format for the appraisal; they also specify the appraiser's qualifications and credentials. In addition, most states now have licensing requirements for appraisers evaluating properties located within their states.

The appraiser will create a written report for us and you'll be given a copy at your loan closing. If you'd like to review it earlier, your Originator would be happy to provide it to you.

Usually the appraiser will inspect both the interior and exterior of the home. However, in some cases, only an exterior inspection will be necessary based on your financial strength and the location of the home. Exterior-only inspections usually save time and money, but if you're purchasing a new home, your Originator will contact you to determine if you'd be more comfortable with a full inspection.

After the appraiser inspects the property, they will compare the qualities of your home with other homes that have sold recently in the same neighborhood. These homes are called "comparables" and play a significant role in the appraisal process. Using industry guidelines, the appraiser will try to weigh the major components of these properties (i.e., design, square footage, number of rooms, lot size, age, etc.) to the components of your home to come up with an estimated value of your home. The appraiser adjusts the price of each comparable sale (up or down) depending on how it compares (better or worse) with your property.

As an additional check on the value of the property, the appraiser also estimates the replacement cost for the property. Replacement cost is determined by valuing an empty lot and estimating the cost to build a house of similar size and construction. Finally, the appraiser reduces this cost by an age factor to compensate for depreciation and deterioration.

If your home is for investment purposes, or is a multi-unit home, the appraiser will also consider the rental income that will be generated by the property to help determine the value.

Using these three different methods, an appraiser will frequently come up with slightly different values for the property. The appraiser uses judgment and experience to reconcile these differences and then assigns a final appraised value. The comparable sales approach is the most important valuation method in the appraisal because a property is worth only what a buyer is willing to pay and a seller is willing to accept.

It is not uncommon for the appraised value of a property to be exactly the same as the amount stated on your sales contract. This is not a coincidence, nor does it question the competence of the appraiser. Your purchase contract is the most valid sales transaction there is. It represents what a buyer is willing to offer for the property and what the seller is willing to accept. Only when the comparable sales differ greatly from your sales contract will the appraised value be very different.

Tagged under:
  • 1st Source Bank Personal Help
  • Frequently Asked Questions Mortgage Help
  • Personal Mortgage Your Property Help
What types of things will an underwriter look for when they review the appraisal?

In addition to verifying that your home's value supports your loan request, we'll also verify that your home is as marketable as others in the area. We'll want to be confident that if you decide to sell your home, it will be as easy to market as other homes in the area.

We certainly don't expect that you'll default under the terms of your loan and that a forced sale will be necessary, but as the lender, we'll need to make sure that if a sale is necessary, it won't be difficult to find another buyer.

We'll review the features of your home and compare them to the features of other homes in the neighborhood. For example, if your home is on a 20-acre lot, or has a large accessory building, we'll want to make sure that there are other homes in the area on similar size lots or with similar outbuildings. It is hard to place a value on such unique features if we can't see what other buyers are willing to pay for them. In some areas, additional acreage or outbuildings could actually be a detriment to a future sale. Finding comparable properties can be more challenging in rural areas where it is more difficult to find homes that have similar features.

We'll also make sure that the value of your home is in the same range as other homes in the area. If the value of your home is substantially more than other homes in the neighborhood, it could affect the market acceptance of the home if you decide to sell.

We'll also review the market statistics about your neighborhood. We'll look at the time on the market for homes that have sold recently and verify that values are steady or increasing.

Tagged under:
  • 1st Source Bank Personal Help
  • Frequently Asked Questions Mortgage Help
  • Personal Mortgage Your Property Help
Will I get a copy of the appraisal?

As soon as we receive your appraisal, we'll update your loan with the estimated value of the home. We will promptly give you a copy of any appraisal, even if your loan does not close.

Tagged under:
  • 1st Source Bank Personal Help
  • Frequently Asked Questions Mortgage Help
  • Personal Mortgage Your Property Help
Are there any special requirements for condominiums?

Since the value and marketability of condominium properties is dependent on items that don't apply to single-family homes, there are some additional steps that must be taken to determine if condominiums meet our guidelines.

One of the most important factors is determining if the project that the condominium is located in is complete. In many cases, it will be necessary for the project, or at least the phase that your unit is located in, to be complete before we can provide financing. The main reason for this is, until the project is complete, we can't be certain that the remaining units will be of the same quality as the existing units. This could affect the marketability of your home.

In addition, we'll consider the ratio of non-owner occupied units to owner-occupied units. This could also affect future marketability since many people would prefer to live in a project that is occupied by owners rather than renters.

We'll also carefully review the appraisal to insure that it includes comparable sales of properties within the project, as well as some from outside the project. Our experience has found that using comparable sales from both the same project as well as other projects gives us a better idea of the condominium project's marketability.

Depending on the percentage of the property's value you'd like to finance, other items may also need to be reviewed.

Tagged under:
  • 1st Source Bank Personal Help
  • Frequently Asked Questions Mortgage Help
  • Personal Mortgage Your Property Help
I'm purchasing a home, do I need a home inspection AND an appraisal?

Both a home inspection and an appraisal are designed to protect you against potential issues with your new home. Although they have totally different purposes, it makes the most sense to rely on each to help confirm that you've found the perfect home.

The appraiser will make note of obvious construction problems such as termite damage, dry rot or leaking roofs or basements. Other obvious interior or exterior damage that could affect the salability of the property will also be reported.

However, appraisers are not construction experts and won't find or report items that are not obvious. They won't turn on every light switch, run every faucet or inspect the attic or mechanicals. That's where the home inspector comes in. They generally perform a detailed inspection and can educate you about possible concerns or defects with the home.

Accompany the inspector during the home inspection. This is your opportunity to gain knowledge of major systems, appliances and fixtures, learn maintenance schedules and tips, and to ask questions about the condition of the home.

Tagged under:
  • 1st Source Bank Personal Help
  • Frequently Asked Questions Mortgage Help
  • Personal Mortgage Your Property Help
I've heard that some lenders require flood insurance on properties. Will you?

Federal Law requires all lenders to investigate whether or not each home they finance is in a special flood hazard area as defined by FEMA, the Federal Emergency Management Agency. The law can't stop floods. Floods happen anytime, anywhere. But the Flood Disaster Protection Act of 1973 and the National Flood Insurance Reform Act of 1994 help to ensure that you will be protected from financial losses caused by flooding.

We use a third party company who specializes in the reviewing of flood maps prepared by FEMA to determine if your home is located in a flood area. If it is, then flood insurance coverage will be required, since standard homeowner's insurance doesn't protect you against damages from flooding.

Tagged under:
  • 1st Source Bank Personal Help
  • Frequently Asked Questions Mortgage Help
  • Personal Mortgage Your Property Help
How long does it take for the property appraisal to be completed?

Licensed appraisers who are familiar with home values in your area perform appraisals. We order the appraisal as soon as the credit report fee is paid. Generally, it takes 10-14 days before the written report is sent to us. We follow up with the appraiser to insure that it is completed as soon as possible. If you are refinancing, and an interior inspection of the home is necessary, the appraiser should contact you to schedule a viewing appointment. If you don't hear from the appraiser within seven days of the order date, please inform your Originator. If you are purchasing a new home, the appraiser will contact the real estate agent, if you are using one, or the seller to schedule an appointment to view the home. We will promptly give you a copy of any appraisal, even if your loan does not close.

Tagged under:
  • 1st Source Bank Personal Help
  • Frequently Asked Questions Mortgage Help
  • Personal Mortgage Your Property Help
How do I lock my rate?
In order to lock your rate, either call 574-236-4561 or email us at MortgageSales@1stSource.com.
Tagged under:
  • 1st Source Bank Personal Help
  • Frequently Asked Questions Mortgage Help
  • Personal Mortgage Loan Programs, Rates & Fees Help
  • Personal Mortgage Your Application Help
  • Personal Mortgage Your Property Help
  • Personal Mortgage Closing & Beyond Help
Can I finance my land contract?
Yes, you can. Generally, if your land contract is 12 months or more then you can refinance; if it is less than 12 months then it has to be treated as a Purchase transaction.
Tagged under:
  • 1st Source Bank Personal Help
  • Frequently Asked Questions Mortgage Help
  • Personal Mortgage Your Property Help
  • Mortgage Help
When will the appraisal be ordered?
We usually order the appraisal within one business day after we receive your “Intent to Proceed” document.
Tagged under:
  • 1st Source Bank Personal Help
  • Frequently Asked Questions Mortgage Help
  • Personal Mortgage Your Application Help
  • Personal Mortgage Your Property Help
  • Mortgage Help
What's a repair escrow?
If any kind of work needs to be completed on a house that is weather related, we can set up funds into an “Escrow Repair Account” allowing us to hold 1 ½ times the amount needed to complete the repair. Once repair is completed, the contractor will be paid and any excess funds will be reimbursed to the customer.
Tagged under:
  • 1st Source Bank Personal Help
  • Frequently Asked Questions Mortgage Help
  • Personal Mortgage Loan Programs, Rates & Fees Help
  • Personal Mortgage Your Property Help
  • Mortgage Help
What are escrows?
When your loan includes an escrow account, you pay the lender a monthly amount which is determined by federal regulations. As money accumulates in your account, your lender uses the funds to pay one or more of the following, as they come due: property taxes and homeowner’s insurance, and/or flood insurance. Ask your MLO what your escrow includes.
Tagged under:
  • 1st Source Bank Personal Help
  • Frequently Asked Questions Mortgage Help
  • Personal Mortgage Loan Programs, Rates & Fees Help
  • Personal Mortgage Your Property Help
  • Mortgage Help
Help Categories
  • 1st Source Bank Personal Help
    • Personal Online/Mobile Banking Help
      • Personal FAQ Online Banking Help
        • Personal Online FAQ General Info Help
        • Personal Online FAQ Bill Payment Help
        • Personal Online FAQ eStatements Help
        • Zelle Zelle Help
          • Basics Help
          • Sending/Receiving Help
          • Errors Help
          • Security Help
        • Personal Online FAQ Bank-to-Bank Transfer Help
        • Money Management Help
        • Personal Online FAQ Purchase Rewards Help
        • Personal Online FAQ Quicken Help
        • Shared Access Help
        • Personal Online Banking FAQ for Stop a Check Help
        • Personal Online Banking Account Alerts Help
        • Personal Online Banking Spanish Option Help
      • Personal FAQ Mobile Banking Help
        • Personal Mobile FAQ Mobile App Help
          • Personal Mobile App FAQ General Information Help
          • Personal Mobile App FAQ Mobile Deposit Help
          • Personal Mobile App FAQ Bill Payment Help
          • Personal Mobile App FAQ eStatements Help
          • 1st Source Bank FAQ: Purchase Rewards Help
          • Quick Balances Help
          • Personal Online Banking Spanish Option Help
          • Personal Mobile Banking Biometric Login Help
        • Personal Mobile Banking Smartwatch App Help
        • Text Banking Help
        • FAQ Voice Banking Help
      • Digital Wallet Help
        • Apple Pay Help
        • Samsung Pay Help
        • Android Pay Help
        • Masterpass Help
        • Mastercard Click to Pay Help
      • Card Control Help
    • Checking Accounts FAQ Checking Accounts Help
      • Personal Checking FAQ General Information Help
      • Debit Card Help
        • Personal Checking Debit Card FAQ Mastercard SecureCode Help
      • Personal Checking FAQ Health Savings Account Help
        • Personal Checking HSA FAQ General Information Help
        • Personal Checking FAQ HSA Eligibility Help
        • Personal Checking FAQ Establish an HSA Help
        • Personal Checking FAQ HSA Contributions Help
        • Personal Checking FAQ HSA Portability Help
        • Personal Checking FAQ HSA Distributions Help
        • Personal Checking FAQ HSA Reporting Help
    • Frequently Asked Questions Savings Help
      • Personal Savings FAQ General Information Help
      • Certificate of Deposit (CD) Help
      • Individual Retirement Account (IRA) Help
        • Traditional IRA Help
        • Roth IRA Help
          • IRA Conversion Analyzer Help
          • IRA Selector Help
        • Education Savings Account (ESA) Help
    • Personal Credit Cards Help
      • Personal Credit Card Online/Mobile Help
        • Personal Credit Card Online and Mobile Alerts Help
    • FAQ Loans Help
      • FAQ Auto Loans Help
      • FAQ Personal Loan Help
    • Frequently Asked Questions Mortgage Help
      • Personal Mortgage Loan Programs, Rates & Fees Help
      • Personal Mortgage Your Application Help
      • Personal Mortgage Your Property Help
      • Personal Mortgage Closing & Beyond Help
      • Mortgage Help
    • Investments Help
      • Wealth Advisory Online Help
    • Insurance Help
      • Auto Help
      • Personal Insurance General Information Help
    • 1st Source Bank Private Banking Help
  • FAQ Business Help
    • Business FAQ Checking Accounts Help
      • Business Checking Account FAQ Debit Card Help
        • Personal CardValet App Help
          • Personal CardValet App General Help
          • Personal CardValet App Registration Help
          • Personal CardValet App Controls and Alerts Help
          • Personal CardValet App Transactions Help
        • Business Checking Debit Card FAQ MasterCard SecureCode Help
    • 1st Source Bank FAQ Loans Help
      • FAQ Business Loans Help
        • SBA Loans Help
      • Applying Help
    • Leasing Help
    • Frequently Asked Questions Treasury Services Help
      • FAQ Online Banking Help
      • Merchant Card Services Help
        • PCI Compliance Validation Program Help
      • Business Mobile Banking Business Mobile Banking Help
      • Business CardValet App FAQ CardValet® App Help
        • Business CardValet App - General FAQ General Help
        • Business CardValet App - Registration FAQ Registration Help
        • Business CardValet App - Controls & Alerts FAQ Controls and Alerts Help
        • Business CardValet App - Transactions FAQ Transactions Help
    • Business FAQ Specialty Finance Group Help
    • Beneficial Ownership Rule Help
Customer Service
  • Need Help?
    • Chat Now
    • Call 800-513-2360
  • 1st Source Bank FAQ
  • Online / Mobile Banking
  • Lost / Stolen Card or Fraud
  • Reorder Checks
Personal Banking
  • Personal Checking
  • Consumer Loans
  • Mortgage Loans
  • Personal Insurance Coverage
Electronic Services
  • Log in to Online Banking
  • Mobile/Text Banking
  • Text Banking and Alerts
  • Online / Mobile Enrollment
  • Business Banking Online
  • BBO on the Go
Sound Advice
  • 1st Source Bank Personal Advice
  • Small Business Advice
About Us
  • Jobs and Career Opportunities
  • Latest News
  • Branch Locations
  • Investor Relations
Other Info
  • 1st Source Security Center
  • Customer Privacy
  • 1st Source Bank Disclosures
  • 1st Source Bank Terms of Use
  • Sitemap
Routing Number: 071212128
Copyright 1999 - 2021
1st Source Bank
 | 
All Rights Reserved
Member of the FDICEqual Housing Lender
NMLSR #645641
Connect with us