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

CIT Bank eChecking

Claimed Promo Offer Available!
in Checking Accounts from CIT Bank
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
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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, founded in 1908 and based in Salt Lake City, UT. CIT Bank eChecking is available in 51 states across the USA.

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.
  • $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
CIT echecking Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Interest-yielding account.
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Does not come with a debit card
  • Not FDIC-insured.
CIT echecking FAQ

Are checking accounts from CIT Bank federally insured?

No, your CIT Bank checking accounts are not insured by a federal insurance agency. This means that if CIT Bank were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

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
Minimum Balance to Earn APY $0
Minimum Opening Deposit $100
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does CIT echecking charge?

This account charges a monthly service fee of $0.

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 Starting at $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:

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.

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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%.

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

Other Services by CIT Bank

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

Minimum Balance to Earn APY $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 Starting at $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
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Income
  • Proof of Identity
  • Proof of Residence
  • Government Issued Photo ID
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
Signup Bonus Starting at $0
Signup Deposit Requirement $0
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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