Looking for the best CIT Bank bonus offers? You’re in the right place! With a focus on delivering exceptional nationwide rates on Savings, Money Market Accounts, CDs, and IRA CDs, CIT Bank stands out by leveraging its online model to offer higher interest rates, thanks to significantly lower overhead costs. Whether you’re aiming to grow your savings effortlessly or seeking lucrative CD rates, CIT Bank’s current promotions are designed to make your money work harder for you.
Let’s dive into how you can take advantage of these offers and maximize your savings today.
Key Takeaways
- High-Yield Savings: CIT Bank offers competitive APYs for their Platinum Savings & Savings Connect products.
- Accessible Accounts: Open most accounts with just a $100 minimum deposit.
- No Monthly Fees: Enjoy zero monthly service fees across CIT Bank’s account offerings.
- Online Convenience: Manage your finances efficiently with CIT Bank’s online and mobile banking platforms.
- FDIC Insured: Your deposits are protected up to $250,000, ensuring peace of mind.
Best CIT Bank Bonuses & Promotions
CIT Bank Platinum Savings $300 Cash Bonus + 3.85% APY1 Offer
How to Earn the $300 Bonus + 3.85% APY
- Open a Platinum Savings account by December 8, 2025
- Deposit $50,000 or more to qualify for the full $300 cash bonus
- Deposit $25,000–$49,999 to earn a $225 bonus
- Maintain the qualifying balance during the promotional period
- Earn 3.85% APY¹ on balances of $5,000 or more (balances under $5,000 earn 0.25% APY)
- No monthly fees and FDIC insured for added peace of mind
This limited-time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025, and can end at any time without notice. Customers will receive a $225 or a $300 bonus provided that the program requirements are met. Click here to see promotion details and terms.
1 Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. *APYs — Annual Percentage Yields are accurate as of September 23, 2025: 0.25% APY on balances of $0.01 to $4,999.99; 3.85% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.
2 Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of September 15, 2025.
For complete list of account details and fees, see their Personal Account Disclosures.
CIT Bank Savings Connect 3.75% APY1 Offer
Offer Details:
- Offer is available online, nationwide
- Minimum opening deposit of $100
- There are no account opening or monthly service fees
Footnote & Disclosures:
- 1 The Annual Percentage Yields (APY) and interest rates are effective as of September 23, 2025. Fees may reduce earnings. Checking APYs and interest rates are variable and may change at any time without prior notice, including after account opening. The minimum opening deposit for eChecking is $100. See Fee Schedule and Agreement for Personal Accounts for details. To obtain the interest rate and APY disclosed, the minimum balance for the applicable balance tier must be maintained.
- 2 Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of September 15, 2025.
- CIT updates the multiplier information based on the FDIC National Rates. The FDIC publishes their rate on the third Monday of each month (always will be their effective date) and CIT updates its site by the end of that week.
- For complete list of account details and fees, see their Personal Account Disclosures.
CIT Bank Savings Connect Earns 3.75% APY (Available Nationwide)
If you’re looking for a simple, flexible savings account with one of the best rates available nationwide, CIT Bank’s Savings Connect account is offering 3.75% APY¹. That’s more than nine times the national average² — and you only need $100… GET OFFER
CIT Bank Platinum Savings: Earn Up to $300 Cash Bonus + 3.85% APY (Nationwide) – Ends 12/8/25
Want to grab up to $300 in bonus cash before the year ends? Right now, CIT Bank’s Platinum Savings account is offering a limited-time promotion that runs through December 8, 2025. Along with the cash bonus, you’ll earn a standout… GET OFFER
CIT Bank’s Best Certificate of Deposit Account Offers: Earn Up To 3.50% APY (Available Nationwide)
Unlock Your Savings Potential with CIT Bank's CD Accounts - Daily Compounding Interest, No Fees, FDIC Insured, & More. Looking for a safe, reliable way to grow your savings with guaranteed returns? CIT Bank’s Certificate of Deposit (CD) accounts are… GET OFFER
CIT Bank’s $750 Investment Bonus: Exclusive Deal for Existing Customers (But You Need Serious Money)
Looking for an investment bonus that rewards customer loyalty? Here's the truth: most investment platform bonuses are designed to attract new customers, often ignoring their existing base. But CIT Bank is doing something different - they're offering up to $750… GET OFFER
CIT Bank eChecking Account $100 Bonus – Ends 6/27/25
The CIT Bank eChecking account is a free online and mobile banking option with an opening deposit requirement of $100. See Posts History below for more offers from this institution. CIT Bank's $100 eChecking Bonus: A Solid Deal from an… GET OFFER
Why Most People Miss Out on the CIT Bank Bonus (And How to Not Be One of Them)
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… GET OFFER
From Emergency Fund to Easy Wins: Why I Parked My Savings in CIT Bank for 60 Days
Your emergency fund doesn’t need to sit around doing nothing. I used mine to earn nearly $500—with zero risk and full liquidity. Here's exactly how. Here's the Thought Process Most People Get Wrong We’re told to build an emergency fund.… GET OFFER
Online-Only vs Traditional Banks: Why CIT Bank’s Savings Rates Crush the Competition
Spoiler: your local bank is probably ripping you off. Let’s talk about how online banks like CIT are winning the savings game—and why that’s not changing anytime soon. The Myth of “Safe and Familiar” Most people still keep their savings… GET OFFER
4 Reasons CIT Bank Is My Go-To Savings Account (And 1 Thing I Don’t Love)
There’s no perfect bank. But when it comes to earning high interest without jumping through hoops, CIT Bank keeps pulling ahead. Here's why I keep coming back—and what still bugs me. Introduction I’ve opened more savings accounts than I can… GET OFFER
CIT Bank Platinum Savings $300 Bonus Is a Hidden Gem for High-Net-Worth Savers
Most high earners overlook bank bonuses. But if you've got $50K or more sitting on the sidelines, this is one of the easiest returns you'll find in 2025. Here’s the Problem with “Smart Money” High-net-worth individuals tend to think big.… GET OFFER
CIT Bank vs Ally: Which High-Yield Savings Account Actually Grows Your Money Faster?
Everyone loves a good APY—but not all high-yield savings accounts are created equal. Here's what most people miss when comparing CIT Bank and Ally. Here's the Truth: Both CIT Bank and Ally have loyal followings. They’re online-only, fee-free, and known… GET OFFER
Is CIT Bank’s $300 Bonus Worth It? What You Need to Know Before Depositing $50K
Wondering if parking $50,000 in a CIT Bank Platinum Savings account is actually worth it for a one-time bonus? Here's the truth—and how to make it work in your favor. Introduction Look, I love a good bank bonus as much… GET OFFER
CIT Bank Money Market Account Earns 1.55% APY (Nationwide)
See the latest offer for the CIT Bank Money Market Account below. CIT Bank (Commercial Investment Trust) consistently offers some of the best nationwide rates. They offer Savings and Money Market Accounts, Certificates of Deposit (CDs), and IRA CDs. Operating… GET OFFER
READ MORE: COMPARE ALL THE BEST SAVINGS RATES HERE AND THE BEST CD RATES HERE
Are Online Banks Safe?
CIT Bank offers a secure banking experience.
Despite not having physical branches, online banks are still protected by FDIC insurance, just like traditional brick-and-mortar banks.
CIT Bank, being FDIC insured, ensures that your deposits are safeguarded up to $250,000 in the event of a bank failure. This coverage applies to the total combined deposit held across First Citizens Bank and CIT Bank.
READ MORE: GET THE $200 BONUS OFFER FOR A NEW CHASE CHECKING ACCOUNT
CIT Bank Pros & Cons
Here are the advantages and disadvantages of banking with CIT.
Pros of banking with CIT:
- Offers competitive interest rates compared to traditional banks
- No monthly service fees for any of CIT’s accounts
- Low opening deposits of $100 for checking and savings accounts, and $1,000 for CDs
- Minimal banking fees
- Convenient remote check deposit feature
- CIT Bank bonuses often available.
Cons of banking With CIT:
- Inability to write checks from the checking account
- Possible wait times when contacting customer service by phone
- CIT Bank bonuses may not be as high as others.
READ MORE: GET THE $400 OFFER FROM BMO BEFORE IT ENDS
CIT Bank Fees
Common banking fees waived by CIT Bank:
- No account opening fees
- No monthly service fees
- No account closing fees
- No fees for incoming wire transfer
- No mailed check fees
- No online transfer fees
Potential fees you may encounter with CIT Bank:
- $10 fee for outgoing wire transfers (waived for accounts with a balance of $25,000 or more)
- $10 excessive transaction fee (applies to money market accounts)
- $30 fee for bill pay stop payment
- $30 overdraft fee
- $10 fee for debit card replacement (1 free card per year)
- 1% of the transaction amount for international ATM withdrawals
How to Qualify for CIT Bank Bonuses
To take advantage of CIT Bank’s lucrative bonuses, you must first meet specific eligibility criteria. Typically, this involves opening a new account with direct deposit and a minimum deposit, which varies by promotion. For savings accounts, a common requirement is maintaining a certain balance to earn the top-tier APY. It’s crucial to read the fine print of each offer, as some may require setting up direct deposits or completing a certain number of transactions within a given timeframe.
CIT Bank Savings and Money Market Accounts
CIT Bank’s Savings and Money Market Account products stand out for their competitive interest rates and low entry barriers. The Savings Connect account, for example, offers an impressive APY with just a $100 minimum opening deposit and no monthly service fees. These accounts are designed for savers who want to earn more from their money without the hassle of maintaining a high balance or navigating complex requirements.
Certificates of Deposit (CDs) at CIT Bank
CIT Bank offers a range of CD options to fit various savings goals and time frames, from short-term 6-month CDs to longer-term 5-year CDs. The interest rates are competitive, often exceeding those of traditional banks. Opening a CD with CIT Bank is a straightforward way to lock in a guaranteed return on your investment, with the peace of mind that comes from FDIC insurance.
CIT Bank IRA Options
For those planning for retirement, CIT Bank’s IRA CDs provide a secure and reliable investment option. Available in both Traditional and Roth IRA formats, these CDs offer fixed rates for terms ranging from 6 months to 5 years. By investing in an IRA CD, you can enjoy tax advantages while ensuring your savings grow at a steady rate.
Navigating CIT Bank’s Online Banking Platform
CIT Bank’s online and mobile banking platforms are designed for ease of use, allowing customers to manage their accounts, transfer funds, deposit checks and pay bills with just a few clicks. The mobile app also includes features like remote check deposit, making it convenient to bank on the go. For those new to online banking, CIT Bank provides comprehensive support and resources to help you get started.
Safety and Security with CIT Bank
With CIT Bank, your deposits are FDIC insured up to the legal limit, providing a level of security and peace of mind. The online bank employs advanced security measures, including encryption and multi-factor authentication, to protect your personal and financial information from unauthorized access.
How to Open an Account with CIT Bank
Opening an account with CIT Bank is a simple, straightforward process that can be completed online in minutes. Start by choosing the type of account you wish to open, then fill out the application form with your personal and financial information. You’ll need to provide identification and possibly deposit funds into your new account. Once your application is submitted and approved, you’ll have immediate access to your account and can start enjoying the benefits of banking with CIT.
Maximizing Your Savings with CIT Bank
To get the most out of your CIT Bank account, consider setting up automatic transfers to your savings account, which can help you transfer money and build your balance effortlessly. Keep an eye on changing interest rates and promotions, as CIT Bank frequently updates its offers to remain competitive. Additionally, consolidating your banking with CIT can simplify your finances while maximizing your earning potential.
Compare With Other Savings & Money Market Account Promotions
Stay informed about how CIT Bank’s offers stack up against the competition. Whether you’re comparing online savings rates or seeking the best money market account promotions, understanding the landscape can help you make the best decision for you.
- First Internet Bank’s Business Money Market: It’s Market-Beating 3.90% APY Available Nationwide
- Axos One: High-Interest Savings and Checking Bundle Without the Hassle
- Barclays Tiered Savings Account: $200 Bonus & Earn Up to 4.10% APY – Ends 12/31/25
- Live Oak Bank Personal & Business Savings Accounts Earn Cash & 3.00% – 4.00% APY (Nationwide)
- Quontic Bank Money Market Account 3.75% APY Offer [Nationwide]
Our Take on CIT Bank
CIT Bank offers a compelling choice for those seeking higher interest rates, low fees, and the convenience of online banking. With a range of products designed to meet different financial needs and goals, CIT Bank is suitable for savers at any stage of their financial journey. Whether you’re building an emergency fund, saving for a specific goal, or planning for retirement, CIT Bank’s competitive rates and user-friendly platform make it a strong contender in the online banking space.
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
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