The $300 CIT Bank bonus sounds easy—and it is. But a surprising number of people never actually get paid. Here’s why that happens, and how to make sure you cash in.
The Bonus Is Real—But There’s a Catch
Let me start by saying this: CIT Bank does pay out the $300 bonus.
It’s legit. I’ve earned it. Others have too.
But here’s the truth: a lot of people miss it because they skip a step, misunderstand the timeline, or forget to use the promo code.
And once you miss a requirement, there’s no going back.
If you’re planning to take advantage of this offer, let me walk you through the top mistakes people make—and how to avoid them completely.
LEARN MORE AT CIT BANK
You must use promo code PS2025 when opening your Platinum Savings account.
No code = no bonus. Period.
It’s easy to overlook, especially if you’re signing up on mobile or rushing through the form. But CIT tracks the bonus through that code—so double check it before you submit.
Mistake #2: Not Depositing the Full Amount
To qualify, you need to:
- Deposit $25,000 to earn $225, or
- Deposit $50,000 to earn the full $300
That deposit must be made within 30 days of opening the account.
Some people transfer in smaller amounts thinking they can top it off later. But if the qualifying deposit doesn’t hit by the 30-day deadline, you’re out.
Mistake #3: Dropping the Balance Too Soon
You have to maintain that qualifying balance for at least 30 consecutive days.
If your balance dips—even by a dollar—before that 30-day mark, CIT may disqualify you from the bonus. It’s buried in the terms, but it matters.
Play it safe. Keep a little extra buffer just in case interest is still pending or a transfer hasn’t cleared.
Mistake #4: Withdrawing Too Early
After you’ve hit the 30-day balance mark, you’re technically done.
But don’t pull the money right away and assume the bonus will follow. CIT pays the bonus within 60 days of meeting the requirements—and they reserve the right to review your account during that time.
If your balance is suddenly zero or the account is closed, they may decline the bonus.
Mistake #5: Confusing Platinum Savings With Other Accounts
CIT offers several savings products—Savings Connect, Money Market, etc.
Only the Platinum Savings account qualifies for this specific promo. If you accidentally open the wrong product, even with the right promo code, it won’t count.
How to Guarantee You Get the Bonus
Let’s make this easy. Here’s the checklist I use:
- Use promo code PS2025
- Open a CIT Bank Platinum Savings account
- Deposit at least $50,000 within 30 days
- Maintain that balance for 30+ days
- Leave the account open until the bonus hits (within 60 days after qualification)
That’s it. Do this, and the bonus is yours.
How This Stacks Up to Other Bank Savings Bonuses
Here’s how CIT compares to other promos:
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The best part? It’s available nationwide and online-only—no branch visits.
Final Thoughts
CIT Bank’s $300 bonus is one of the most efficient offers out there right now—but only if you follow the rules precisely.
Don’t let a missed promo code or balance dip ruin your payout.
Set it up right the first time, sit back, and enjoy the nearly $500 in bonus + interest for doing nothing but being strategic with your cash.
Get the Bonus Here – CIT Bank Platinum Savings
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