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  CIT Bank eChecking
CIT Bank eChecking
in Checking Accounts from CIT Bank · fdic
Claimed Promo Offer Available!

CIT Bank eChecking

Claimed Promo Offer Available!
in Checking Accounts from CIT Bank · Member FDIC
SuperMoney Net Recommendation Score +89  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +89, equating to 4.8 on a 5 point rating scale.

+89

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

8 users recommend
1 user is unsure
0 users don't recommend
Browse Reviews: 8 Recommendations | 0 Complaints
Leave a Review
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Highlights
Community Rating Strongly recommended
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.1% - 0.25%
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee Starting at $0
Number of Reviews 9

CIT Bank eChecking Review

CIT Bank eChecking is offered by CIT Bank, a bank founded in 1908 and based in Salt Lake City, UT. CIT Bank eChecking is 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 a monthly Service Charge.
  • $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
  • Available in all 50 states.
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
CIT echecking FAQ

Are checking accounts from CIT Bank federally insured?

Yes, this account is 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).

CIT echecking Rates and Terms
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.

CIT Bank eChecking Minimums
Description
APY Minimum Balance $0
Minimum Opening Deposit $100
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does CIT echecking charge?

The good news is that this account does not have a monthly Service Charge.

CIT Bank eChecking Fees
Description
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $30
Debit Card Replacement Fee $10
Early Account Closure $10
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0
NSF Fee $30
Online Bill Pay Fee $0
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $30
Paper Statement Fee $10
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
ATM Fee: Out-of-Network $0

Does CIT echecking charge overdraft fees?

Yes, CIT echecking charges a $30 fee for every overdraft.

CIT echecking offers 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From CIT Bank

Online and mobile banking is easy and convenient with an eChecking account. CIT Bank does not charge ATM fees. Get up to $30 in other bank’s ATM fees reimbursed per month, Debit card with EMV chip technology, Transfer, pay and purchase via mobile with Zelle®, Bill Pay, Samsung Pay and Apple Pay. 24/7 account access online and mobile, plus an automated telephone system.

Your money is safe and sound. CIT Bank, N.A. is a member of the Federal Deposit Insurance Corporation (FDIC), which means your deposit accounts are insured up to $250,000 per depositor, for each account ownership category.

Contact

Promotional Offers

Special Offers

Boost your savings by linking to a CIT Savings Connect account.

Open a Savings Connect account with a linked eChecking account and make a minimum $200 electronic monthly deposit into your eChecking account to increase your APY to 0.50%.
View Offer

Hours of Operation

  • Sunday Closed
  • Monday 7:00am - 7:00pm
  • Tuesday 7:00am - 7:00pm
  • Wednesday 7:00am - 7:00pm
  • Thursday 7:00am - 7:00pm
  • Friday 7:00am - 7:00pm
  • Saturday Closed

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

APY Minimum Balance $0
Minimum Opening Deposit $100
Minimum Balance to Avoid Monthly Fee Starting at $0
ATM Fee: In-Network $0
Monthly Fee $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
ATM Fee: Out-of-Network $0
ATM Reimbursement Monthly Limit $30
Debit Card Replacement Fee $10
Early Account Closure $10
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $30
Paper Statement Fee $10
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $10
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Outgoing) $10
Wire Transfer Fee - International (Outgoing) $10
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • ATM Reimbursement
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Branch Access
  • Member FDIC
APY (Annual Percentage Yield) 0.1% - 0.25%

CIT Bank eChecking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +89, equating to 4.8 on a 5 point rating scale.

+89

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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