
CIT Bank eChecking
Would you recommend CIT Bank eChecking to your friends?
Community Rating | Strongly recommended |
Cashback Rewards | N/A |
APY (Annual Percentage Yield) |
0.1% - 0.25% (Verified 09/30/2022) |
Monthly Fee | $0 |
Minimum Balance to Avoid Monthly Fee | Starting at $0 |
Number of Reviews | 10 |
CIT Bank eChecking Review
CIT Bank eChecking is offered by CIT Bank, a bank founded in 1908 and based in Raleigh, NC. CIT Bank eChecking are available in 50 states (and Washington, DC).
Key Takeaways
- Higher than average APY. CIT Bank eChecking has an annual percentage yield of up to 0.25%, which is higher than the national average interest rate on savings accounts.
- $0 monthly fee. This account does not charge any monthly account fees.
- $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
- No ATM fees. CIT Bank eChecking does not charge fees on ATM transactions.
- Up to $30 in ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
- Bill pay. Pay your bills to practically anyone in the United States through CIT Bank.
CIT echecking Pros & Cons
Pros | Cons |
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CIT echecking FAQ
Are checking accounts from CIT Bank federally insured?
Yes, your deposits are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #58978). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does CIT echecking offer?
CIT echecking offers an APY starting at 0.1% and ranging up to 0.25% (APY stands for annual percentage yield, rates may change).
Rates | Amount |
---|---|
APY (Annual Percentage Yield) | 0.1% - 0.25% |
What are the account minimums for CIT echecking?
CIT echecking requires a minimum initial deposit of $100 to open an account.
Description | |
---|---|
Minimum Opening Deposit | $100 |
Minimum Balance to Avoid Monthly Fee | Starting at $0 |
Minimum Balance to Earn APY | $0 |
What fees does CIT echecking charge?
The good news is that this account does not have a monthly Service Charge.
Description | |
---|---|
Monthly Fee | $0 |
ATM Fee: In-Network | $0 |
ATM Fee: Out-of-Network | Starting at $0 |
ATM Reimbursement Monthly Limit | $30 |
Foreign Transaction Fee (Debit Card) | 1% |
NSF Fee | $30 |
Overdraft Item Fee | $30 |
Overdraft Protection Fee (per transfer) | $30 |
Returned Deposit Fee (Domestic) | $10 |
Returned Deposit Fee (International) | $10 |
Stop Payment Fee | $30 |
Wire Transfer Fee - Domestic (Incoming) | $0 |
Wire Transfer Fee - Domestic (Outgoing) | $10 |
Wire Transfer Fee - International (Incoming) | $0 |
Wire Transfer Fee - International (Outgoing) | $10 |
Paper Statement Fee | $10 |
Online Bill Pay Fee | $0 |
Debit Card Replacement Fee | $10 |
Early Account Closure | $10 |
Does CIT echecking charge overdraft fees?
Yes, CIT echecking charges a $30 fee for every overdraft. You can get overdraft protection at a cost of $30 per transaction.What features and perks does CIT echecking offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $30.
- Fraud monitoring - CIT echecking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - CIT echecking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for CIT echecking?
The customer support email for CIT echecking is custserv@cit.com.
How do people rate the customer service and user experience of CIT echecking?
Overall, CIT echecking is strongly recommended based on community reviews that rate customer service and user experience.
Message From CIT echecking
Contact
- Headquarters
-
4300 Six Forks Rd
Raleigh, NC 27609 USA - (801) 412-6800
- Visit Site
- Email Support
Other Services by CIT Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Minimum Opening Deposit | $100 |
Minimum Balance to Avoid Monthly Fee | Starting at $0 |
Minimum Balance to Earn APY | $0 |
CIT Bank eChecking Community Reviews
Would you recommend CIT Bank eChecking to your friends?
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