-Balance over $25,000, APY 0.25%¹; Balance under $25,000, APY 0.10%¹
-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.²
-Deposit checks and make unlimited withdrawal and disbursements with the CIT Bank mobile app.
-24/7 account access online and mobile, plus an automated telephone system.
-Easily set travel alerts or stop/restrict use on your debit card.
-There are no fees to open your CIT Bank eChecking account.
- No monthly fees.
- No overdraft fees.
- No fees for us to mail a check for you.
- No fees for online transfers.
- No fees for incoming wire transfers.
Disclosures:
¹The Annual Percentage Yields (APY) and interest rates are effective as of November 20, 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.
²Must have a bank account in the U.S. to use Zelle.
Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
The Apple Pay logo and Apple are registered trademarks of Apple Inc. The Samsung Pay logo and Samsung are registered trademarks of Samsung Electronics Co., Ltd.
CIT General Disclosure:
For complete list of account details and fees, see the
Personal Account disclosures.
COS 
