Take advantage of CIT Bank promotions, rates, and offers.
Update 7/10/25: There’s currently an up to $750 Self-Directed Investing account bonus and $100 eChecking bonus available for a limited time. The Platinum Savings rate has decreased to 4.00% APY (from 4.10%) and Savings Connect rate has decreased to 3.90% APY (from 4.00%). I personally have the the CIT Bank Platinum Savings, a great account to keep; overall a great HUB account.
CIT Bank Platinum Savings 4.00% APY
With the CIT Platinum Savings Account, you can earn 4.00% APY.
- Account(s) Eligible: Platinum Savings Account
- Availability: Nationwide
- Hard/Soft Inquiry: Soft Pull
- Opening Deposit: $100
- Monthly Service Fee: None
- Early Termination Fees: None
- How to earn rate:
- Open a CIT Bank Platinum Savings Account.
- Enter your info. Securely provide your address, phone number, email and Social Security number (or other taxpayer ID).
- Fund your account. Open an account with a minimum of $100. You can transfer funds with an electronic transfer, mail-in check or wire.
- And you’re done. That’s all there is to it. We’ll send an email confirming you have successfully opened your account.
- Earn 4.00% APY on n balances of $5,000 or more.
(Visit CIT Bank to learn more)
Account Features
- Competitive rates
- Secure. Your CIT Bank account is FDIC insured, which means it’s secure.
- Digital convenience. CIT Bank’s mobile app makes it easy to manage your account.
- No monthly service fees. No account opening or monthly services fees, so you can keep what you earn.
CIT Bank Savings Connect Promotion
With the CIT Savings Connect Account, you can earn 3.90% APY.
- Account(s) Eligible: Savings Connect Account
- Availability: Nationwide
- Credit Inquiry: Soft Pull
- Opening Deposit: $100
- Monthly Service Fee: None
- Early Termination Fees: None
- How to earn rate:
- Simply open a Savings Connect account with a $100 deposit
- Earn 3.90% APY.
(Visit CIT Bank to learn more)
Account Features
- Earn More: Earn many times the national average with a Savings Connect account.
- Competitive Rate. Get a competitive rate on your Savings Connect account.
- Easy Access. Access your accounts 24/7 online and on the mobile app.
- Easy Deposits. Deposit checks remotely and make transfers easily with the CIT Bank mobile app.
- No monthly service fees.
- FDIC insured.
Fine Print
- Savings Connect offers a higher interest rate to customers.
- Interest rates and Annual Percentage Yields (APYs) are variable and may change without notice.
- The minimum to open a Savings Connect account is $100.
- Fees could reduce earnings on the accounts.
- The account must be funded within 30 days of account opening.
CIT Bank 3.50% APY 11-Month No Penalty CD
- Account Type: No-Penalty 11-Month CD
- Availability: Nationwide; Online Only
- Hard/Soft Inquiry: Soft Pull
- Direct Deposit Requirement: None
- Opening Deposit: $1,000
- Monthly Service Fee: None
- Early Termination Fees: None
- How to earn rate:
- 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.
- Select the No-Penalty CD on CIT Bank’s website.
- Complete your application.
- Review and accept the terms and conditions.
- Set up a few security questions.
- Fund the new account (You can transfer money into CIT through an ACH transfer)
- 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.
| Account Balance | APY |
| $1,000+ | 3.50% |
(FDIC Insured)
Account Features
- No penalty to access funds if needed before maturity
- No opening or maintenance fees
- Daily compounding interest to maximize your earning potential
- FDIC insured
Fine Print
- 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.
CIT Bank Certificate of Deposit Account(s)
CIT Bank CDs provide a safe, secure way to grow your savings. Choose from a selection of CD rates and terms to help you stay on target for your savings goals.
- CD Terms:
- Account Type: Certificate of Deposit (CD)
- Availability: Nationwide; Online Only
- Hard/Soft Inquiry: Soft Pull
- Direct Deposit Requirement: None
- Opening Deposit: $1,000
- Monthly Service Fee: None
- Early Termination Fees: None
- How to earn rate:
- 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.
- Select the CD term on CIT Bank’s website of your choice.
- Complete your application.
- Review and accept the terms and conditions.
- Set up a few security questions.
- Fund the new account (You can transfer money into CIT through an ACH transfer)
- 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.
Account Features
- 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
Fine Print
- 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.
CIT Bank eChecking $100 Bonus
- Account(s) Eligible: eChecking
- Availability: Nationwide
- Credit Inquiry: Soft Pull
- Direct Deposit Requirement: None
- Monthly Service Fee: None
- Early Termination Fees: None
- How to earn it:
- New customers must open an eChecking account using promo code EC2025
- New customers must deposit at least $1,000 for a $50 bonus, or at least a minimum of $2,500 for a $100 bonus into the enrolled eChecking account within the first 30 calendar days following account opening.
- CIT Bank will deposit the qualifying bonus into the customer’s enrolled account within 60-days following the 30-day funding period.
- The enrolled eChecking account must be open at the time of the bonus payment to qualify.
(FDIC Insured)
Fine Print
- This limited time offer to qualify for a $50 cash bonus with a minimum deposit of $1,000 or a $100 bonus with a minimum deposit of $2,500 is available to New and Existing Customers who meet the eChecking promotion criteria. The Promotion begins on May 28, 2025 and can end at any time without notice.
- Customers will receive a $50 or a $100 bonus provided that the program requirements are met
- There is a limit of one eChecking promotional offer per account and per Primary customer. If multiple eChecking accounts are opened, only one account per primary account owner is eligible.
- Custodial accounts and Trust Accounts are not eligible.
- This offer is non-transferable.
- IMPORTANT: All customers who qualify for the $50 or $100 bonus offer will receive the bonus in the enrolled eChecking account within 60 days after the 30-day funding period.
CIT Bank Self-Directed Investing $750 Bonus
- What you’ll get: Up to $750 bonus
- Account(s) Eligible: Self-Directed Investing
- Availability: Nationwide
- Credit Inquiry: Soft Pull
- Direct Deposit Requirement: None
- Monthly Service Fee: None
- Early Termination Fees: None
- How to earn it:
- Open a First Citizens Self-Directed Investing account (SDIA) with the initial funding deposit to earn the corresponding bonus with new funds not on deposit with CIT Bank.
- You can open an SDIA account for a minimum of $100 but will need to open the account with at least $1,000 to qualify for the bonus of $25.
- Get $25 bonus when you deposit $1,000-$4,999
- Get $50 bonus when you deposit $5,000-$9,999
- Get $100 bonus when you deposit $10,000-$49,999
- Get $200 bonus when you deposit $50,000-$99,999
- Get $350 bonus when you deposit $100,000-$249,999
- Get $750 bonus when you deposit $250,000+
- The opening deposit amount in the Self-Directed Investing account must be maintained for a 60-day qualifying period from account open date in order to qualify for the bonus. Any losses or gains due to trading or market fluctuation will not be taken into consideration when calculating the qualifying deposit amount.
- CIT Bank will deposit the qualifying bonus into the customer’s CIT Bank Savings or eChecking account within 30 days following the 60-day qualifying period.
(Limited time offer
Fine Print
- Limited-time offer. One bonus per CIT Bank customer. If multiple Self-Directing Investing accounts are opened by a customer, only one account will be eligible for the bonus. Offer is non-transferable. The Promotion begins on December 12, 2024 and can end at any time without notice. Offer valid when a CIT Bank customer with an existing savings or eChecking account opens a new Self-Directed Investing account offered through First Citizens Wealth after December 12, 2024 and provided that the following requirements are met
- The SDIA initial opening deposit must be maintained for a 60-day qualifying period from account open date in order to qualify for the bonus. Any losses or gains due to trading or market fluctuation will not be taken into consideration when calculating the qualifying deposit amount.
- CIT Bank will deposit the qualifying bonus into the customer’s Savings or eChecking account within 30 days following the 60-day qualifying period.
- The bonus for which the customer qualifies will be deposited to the customer’s CIT Bank savings or eChecking account within 30 days of fulfilling the promotion requirements in the SDIA account. If a customer has more than one CIT Bank savings or eChecking account, CIT Bank will choose the account in which to deposit the bonus.
- Customer will be deemed ineligible for a bonus payment if the SDIA is not initially funded with an amount to qualify for the bonus, the qualifying deposit is withdrawn or the account is closed prior to the end of the 60-day qualifying period. The CIT Bank savings or eChecking account must also be opened at the time of the bonus payment in order to qualify.
- Bonus payments are reported as interest earned on IRS form 1099-INT for the calendar year in which it was paid. Recipient is responsible for any applicable taxes.
CIT Bank Money Market
With the Money Market Account, you can earn a competitive rate when you make an opening minimum deposit of $100 to your CIT Bank Money Market Account. You’ll earn the rate on all balances.
- Account(s) Eligible: Money Market
- Availability: Nationwide
- Credit Inquiry: Soft Pull
- Direct Deposit Requirement: None
- Opening Deposit: $100
- Monthly Service Fee: None
- Early Termination Fees: None
- How to earn rate:
- 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.
Account Features
- 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
Fine Print
- $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
CIT Bank Savings Builder Promotion
With the Savings Builder Account, you can earn up to 1.00% APY when you make a minimum opening deposit of $100 to your CIT Bank Savings Builder Account. Earn the rate by maintaining an account balance of $25,000 OR make at least one monthly deposit of $100 or more.
- Account(s) Eligible: Savings Builder
- Availability: Nationwide
- Hard/Soft Inquiry: Soft Pull
- Opening Deposit: $100
- Monthly Service Fee: None
- Early Termination Fees: None
- How to earn rate:
- 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.
**APY assumes additional qualifying deposits are made each Evaluation Period.
Account Features
- 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.
Fine Print
- $100 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
Author’s Verdict
Here you will always find an updated list of CIT Bank promotions, bonuses, and offers. CIT Bank makes it even easier, by being an online banking service they make their rates and offers available nationwide.
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