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• Enter your info. You’ll need to provide your address, phone, email and social security number (or other taxpayer ID).
• Fund your account. A minimum of $100 is required to open your account. You can transfer funds with electronic transfer, mail in check, or wire.
• Now you’re done. CIT Bank will send a confirmation email.

*APY assumes the account is opened on the 15th day of the month and no qualifying deposits of $100 are made following account opening. Actual APY may be greater or less depending on the date the account is opened.

**Interest Rate is 2.274% during the Introductory Period and 0.995% thereafter.

***APY assumes additional qualifying deposits are made each Evaluation Period.

• Make the most of your money. Online savings banks offer much higher rates than everyday banks. Open an account with $25,000 or more and earn a top tier, competitive APY on your money—one of the top savings rates in the nation.
• Build a habit of savings. If you don’t have $25,000 in your account, you can still earn the higher APY Tier by making a monthly $100 or more deposit. Pay yourself first. Start with $100 per month and build your habit of savings-—all while getting a top rate.
• Emergencies and unexpected events. Whether it’s for a job loss, pet expense, car or home repair, or medical issue, it’s most often the #1 reason people save.
• New or next home. Grow your savings faster than at your everyday bank for your first—or next dream home.

• $1,000 minimum opening deposit
• You may withdraw the total balance and interest earned, without penalty, beginning seven days after funds have been received for your CD
• No withdrawals are permitted during the first six days following the receipt of funds
• FDIC insured, up to $250,000 per depositor

• Enter your info. You'll need to provide your address, phone, email and social security number (or other taxpayer ID).
• Fund your account. A minimum of $1,000 is required to open your account. You can transfer funds with electronic transfer, mail in check, mobile check deposit, or wire.
• Done! CIT Bank will send you a confirmation email.

• Type of an account eligible for People Pay – You will need the have a Money Market account to use the People Pay service
• Set up recurring payments – You may schedule payments for specific amounts and frequencies, including: weekly, biweekly, monthly, bimonthly, quarterly, semi-annually or annually
• People Pay Usage outside of U.S – You may pay bills from outside the U.S. if you are using a compatible browser. Payments may only be made in U.S. currency to payees within the United States
• For a joint membership in People Pay – Both account holders must be signers on a Money Market account. Each account holder needs a unique username and password to access People Pay. People Pay activity for both account holders can be viewed under Account Services in Online Banking
• People Pay work through Pay Pal – You must enroll in the Pay Pal service. There may be a fee charged by Pay Pal for their People Pay service. The CIT Bank People Pay service is offered free of charge
• Non-sufficient or unavailable funds – If you accidentally schedule a payment and have unavailable funds,
  your account will be charged a non-sufficient or unavailable funds fee of $30. Additional scheduled payments will be suspended until the matter is resolved with People Pay. For more information, please call the Contact Center at 855-462-2652
• Customer Support – For People Pay inquiries, please call the Contact Center at 855-462-2652 or send them a Secure Message via Online Banking

• $100 minimum opening deposit
• Interest Rates are variable and may change at any time without prior notice
• Fees will reduce earnings
• Account is limited to a total of six (6) preauthorized or automatic transfers or withdrawals, electronic banking transfers between other accounts or similar order per statement cycle period
• An excess activity fee will be charged each time the transaction limits are exceeded
• FDIC insured, up to $250,000 per depositor

You will need the standard information, including your SSN, drivers license, the account information of the bank you wish to link to your CIT account, and similar information.The minimum deposit for CDs is $1,000 for the no penalty CD.

1. Select the No-Penalty CD on CIT Bank’s website.
2. Complete your application.
3. Review and accept the terms and conditions.
4. Set up a few security questions.
5. Fund the new account (You can transfer money into CIT through an ACH transfer)

• No penalty to access funds if needed before maturity
• No opening or maintenance fees
• Daily compounding interest to maximize your earning potential
• FDIC insured

• APY — Annual Percentage Yield is accurate as of May 10, 2019.
• You may withdraw the total balance and interest earned, without penalty beginning seven days after the funds have been received for your CD. No withdrawals are permitted during the first six days following the receipt of funds.

You will need the standard information, including your SSN, drivers license, the account information of the bank you wish to link to your CIT account, and similar information. The minimum deposit for CDs is $1,000 for the no penalty CD.

1. Select the CD term on CIT Bank’s website of your choice.
2. Complete your application.
3. Review and accept the terms and conditions.
4. Set up a few security questions.
5. Fund the new account (You can transfer money into CIT through an ACH transfer)

• No penalty to access funds if needed before maturity
• There is no opening or maintenance fees
• Daily compounding interest to maximize your earning potential
• FDIC insured

• APY — Annual Percentage Yield is accurate as of May 10, 2019.
• You may withdraw the total balance and interest earned, without penalty beginning seven days after the funds have been received for your CD.
• No withdrawals are permitted during the first six days following the receipt of funds.