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  CIT Bank eChecking Savings Bundle

CIT Bank eChecking Savings Bundle

in Checking Accounts from CIT Bank · fdic

Claimed Promo Offer Available!

CIT Bank eChecking Savings Bundle

Claimed Promo Offer Available!

in Checking Accounts from CIT Bank · Member FDIC

SuperMoney Net Recommendation Score +80

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +80, equating to 4.6 on a 5 point rating scale.

+80

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

4 users recommend
1 user is unsure
0 users don't recommend
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Highlights
Community Rating Strongly recommended
Monthly Fee $0
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee Starting at $0
APY (Annual Percentage Yield) 0.1% - 0.5%
Number of Reviews 5

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 0.5%, 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 ATM fees (see terms and conditions for details).
  • Bill pay. Pay your bills to practically anyone in the United States through CIT Bank.
CIT Bank eChecking Savings Bundle 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 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 0.5% (APY stands for annual percentage yield, rates may change).

CIT Bank eChecking Savings Bundle Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.1% - 0.5%

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.

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

What fees does CIT Bank eChecking Savings Bundle charge?

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

CIT Bank eChecking Savings Bundle 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 Bank eChecking Savings Bundle charge overdraft fees?

Yes, CIT Bank eChecking Savings Bundle charges a $30 fee for every overdraft.

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 any domestic ATM fees 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 custserv@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.
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 eChecking Savings Bundle

eChecking. Convenience and confidence at your fingertips Bank like you want with our eChecking account. Pay bills and people, plus access your cash from the comfort of your home through online and mobile banking. Earn interest with no monthly fees.

Boosting your savings. Link you eChecking account with a Savings Connect account and earn up to 0.50% APY. Open an account with a great rate and easy, 24/7 online access. That's tomorrow thinking

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

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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 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% - 0.5%

CIT Bank eChecking Savings Bundle Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +80, equating to 4.6 on a 5 point rating scale.

+80

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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