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CIT Bank FAQs
What is the current CIT Bank promo code APY boost offer?
The current promotion adds a 0.35% APY boost to the standard Platinum Savings rate for six full months. During the boost period, you earn 4.10% APY on balances of $5,000 or more, and 0.60% APY on balances under $5,000. The minimum opening deposit is $100.
Can existing CIT Bank customers use the APY boost promo code?
Yes — existing customers can enroll through the promotion page. Here's how it works depending on your situation:If you don't yet have a Platinum Savings account: Open a new one via the promotion enrollment page and confirm the promo code is displayed during the process.If you already have a Platinum Savings account: Simply visit the promotion page and confirm the promo code is entered — no new account needed.One boost per primary customer applies across all accounts.
What happens to my Platinum Savings rate after the six-month boost ends?
After the boost period, your account reverts to CIT Bank's standard rates — currently 3.75% APY on balances of $5,000 or more, and 0.25% APY on balances under $5,000. No action is required; the transition happens automatically.
What is the minimum deposit to open a CIT Bank Platinum Savings account?
The minimum opening deposit is $100. However, you need a balance of $5,000 or more to access the top APY tier — both the standard rate and the boosted promotional rate. Balances under $5,000 earn a lower tier rate.
Does CIT Bank charge monthly fees on its savings accounts?
No. CIT Bank charges no monthly service fees on its Platinum Savings, Savings Connect, Savings Builder, Money Market, or eChecking accounts. There are also no account opening fees on any of these products.
How does the CIT Bank Savings Builder account work?
New Savings Builder accounts automatically earn the top APY tier through the first full Evaluation Period. After that, maintain the top rate by depositing at least $100 per Evaluation Period or keeping a balance of $25,000 or more. The initial $100 opening deposit does not count toward the higher-rate threshold.
What is SmartSaver and is it free?
SmartSaver is a free suite of savings tools built into CIT Bank savings accounts. It includes four features to help you automate and organize your money:Savings Boost: An algorithm analyzes your linked checking account and automatically transfers small amounts — up to $50 per transaction, up to three times a week — into savings.Recurring Transfers: You choose the amount and frequency; CIT Bank moves the money automatically. Pause or adjust anytime.Direct Deposit: Route all or part of your paycheck straight to savings. CIT Bank handles the employer paperwork.Savings Buckets: Organize your balance into named categories, each with its own target amount and date, so you can save for multiple goals within one account.All four features are available at no extra cost.
Does CIT Bank's eChecking account have overdraft fees?
No. CIT Bank charges no overdraft fees on its eChecking account. The account also carries no monthly maintenance fee and reimburses up to $30 per monthly statement period in ATM fees charged by other banks.
Can I withdraw from a CIT Bank No-Penalty CD early?
Yes. The No-Penalty 11-Month CD allows full early withdrawal of principal and interest — with no penalty — any time on or after the 7th day following funding. A 10-calendar-day grace period applies at maturity. The minimum deposit is $1,000.
Are CIT Bank deposits FDIC insured?
Yes. CIT Bank is a division of First Citizens Bank & Trust Company, an FDIC member. Deposits are insured up to $250,000 per depositor per account ownership category. Note that deposits across all First Citizens Bank divisions count toward the same $250,000 limit, not separately.
11 Month No Penalty CD - 3.90% APY
Don't let your savings underperform. Head back to CIT Bank and explore their high-yield savings accounts and competitive CD rates designed to help your money work harder for you.
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Earn 3.75% APY with a Platinum Savings Boost
CIT Bank is an online-only bank that puts your savings to work harder than most. Right now, new and existing customers can apply a promo code at account opening to score a boosted annual percentage yield of 3.75% APY on Platinum Savings balances of $5,000 or more — that's 0.35% above the already-competitive standard rate, locked in for six full months. With no monthly service fees, a $100 minimum deposit to open, and FDIC-insured deposits, it's a straightforward way to grow your money without the usual banking headaches.
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