CIT Bank eChecking Savings Bundle
in Checking Accounts from CIT Bank · Member fdic
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CIT Bank eChecking Savings Bundle
in Checking Accounts from CIT Bank · Member FDIC
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Would you recommend CIT Bank eChecking Savings Bundle to your friends?
| Community Rating |
Rating not yet determined |
| Monthly Fee | $0 |
| ATM Fee: Out-of-Network | $0 |
| Minimum Balance to Avoid Monthly Fee | $0 |
| APY (Annual Percentage Yield) | 0.1% - 0.50% |
CIT Bank eChecking Savings Bundle Review
CIT Bank eChecking Savings Bundle is offered by CIT Bank, a bank founded in 1908 and based in Salt Lake City, UT. CIT Bank eChecking Savings Bundle is available in 50 states (and Washington, DC).
Key Takeaways
- Higher than average APY. CIT Bank eChecking Savings Bundle has an annual percentage yield of up to 0.50%, 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 Savings Bundle does not charge fees on ATM transactions.
- Up to $30 in ATM fee reimbursements. This account will reimburse you for the ATM fees charged by other financial institutions.
- Bill pay. Pay your bills to practically anyone in the United States through CIT Bank.
- Hard credit pull. CIT Bank may require a hard pull on your credit report to open a checking account.
CIT Bank eChecking Savings Bundle Pros & Cons
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CIT Bank eChecking Savings Bundle FAQ
Are checking accounts from CIT Bank federally insured?
Yes, your CIT Bank checking accounts 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 Bank eChecking Savings Bundle offer?
CIT Bank eChecking Savings Bundle offers an APY starting at 0.1% and ranging up to 0.50% (APY stands for annual percentage yield, rates may change).
| Rates | Amount |
|---|---|
| APY (Annual Percentage Yield) | 0.1% - 0.50% |
What are the account minimums for CIT Bank eChecking Savings Bundle?
CIT Bank eChecking Savings Bundle requires a minimum initial deposit of $100 to open an account.
| Description | Amount |
|---|---|
| Minimum Opening Deposit | $100 |
What fees does CIT Bank eChecking Savings Bundle charge?
The good news is that this account does not have a monthly Service Charge.
| 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 Bank eChecking Savings Bundle charge overdraft fees?
Yes, CIT Bank eChecking Savings Bundle charges a $30 fee for every overdraft fee.CIT Bank eChecking Savings Bundle offers overdraft protection at a cost of $30 per transaction.
What features and perks does CIT Bank eChecking Savings Bundle offer?
This account includes the following features:
- ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks up to a monthly maximum of $30.
- Fraud monitoring - CIT Bank eChecking Savings Bundle 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 Bank eChecking Savings Bundle 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 Bank eChecking Savings Bundle?
The customer support email for CIT Bank eChecking Savings Bundle is contact@cit.com.
How do people rate the customer service and user experience of CIT Bank eChecking Savings Bundle?
Overall, CIT Bank eChecking Savings Bundle is strongly recommended based on community reviews that rate customer service and user experience.
CIT Bank eChecking Savings Bundle Disclosure:
During the Introductory Period, the new Savings Connect account will be paid the Upper Tier interest rate. After the Introductory Period ends, the Savings Connect account will be evaluated to determine the interest rate to be paid for the next Evaluation Period. This evaluation occurs on the First Evaluation Day.
Qualifying eChecking Account and Qualifying Deposits
To continue earning the Upper Tier interest rate on the Savings Connect account after the end of the Introductory Period, the account owner must satisfy two requirements:
1. Maintain a Qualifying eChecking account.
2. Make a Qualifying Deposit of $200 or more to the Qualifying eChecking account during the First Evaluation Period and every Evaluation Period thereafter. See “Important Definitions” for a list of the electronic transactions that are considered Qualifying Deposits.
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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
Contact
- Headquarters
-
2180 S 1300 East, Suite 250
Salt Lake City, UT 84106 - Visit Site
- Email Support
Promotional 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%.
Other Services by CIT Bank
View all checking accounts offered 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
| APY Minimum Balance | $0 |
| Minimum Opening Deposit | $100 |
| Minimum Balance to Avoid Monthly Fee | $0 |
CIT Bank eChecking Savings Bundle Community Reviews
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