CIT Bank Locations
CIT Bank is an online only bank with no physical branches. Find out how to manage your account, reach customer service, and the bank's current offers.
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CIT Bank Locations
CIT is an online bank based in Southern California. There is only one physical location at their headquarters in Pasadena:
75 North Fair Oaks Ave
Pasadena, CA 91103
However, this is only their headquarters' office. It's not a place where you can walk in, open accounts, or do banking business.
CIT Bank also does not have an ATM network. So you will not be able to withdraw money at ATMs.
CIT Group acquired OneWest Bank in 2015, which is a regional bank based in Southern California with over 60 branches. However, CIT Bank is online only and separate from OneWest Bank. You cannot perform any CIT banking operations at OneWest locations.
CIT Customer Service Number & Hours
New and existing CIT customers can call to speak to representatives at:
855-462-2652 (within U.S.)
626-535-8965 (outside U.S.—toll call)
You can reach representatives at these hours:
- Monday to Friday: 8:00 am - 9:00 pm (ET)
- Saturday: 9:00 am - 5:00 pm (ET)
- Sunday: 11:00 am - 4:00 pm (ET)
If you're a new customer and have questions about opening an account, this is the only way to reach CIT. CIT does not offer a contact email or live chat for new customers.
Other Ways to Contact CIT
Here are some other ways to contact CIT and manage your account:
- Online and Mobile Banking
Existing customers can send CIT secure emails through their online account. Online and mobile banking is available 24/7. - Automated Phone Line
Existing customers can check their account balance anytime via CIT's automated phone service at 855-462-2652. - Mail In
Banking forms and checks can be mailed to:CIT Bank, N.A.
P.O. Box 7056
Pasadena, CA 91109-9699 - Email Forms
You can also email banking forms to bankingforms@cit.com. - Fax
CIT's fax number is 866-914-1578.
How to Open a CIT Account
All CIT accounts must be opened online. It takes just a few minutes.
- Start here to open a new account.
- Provide your name, address, phone, email, and Social Security number (or other taxpayer ID).
Related: CIT Bank Promo Code
- Fund your account via electronic transfer from a linked checking or savings account, bank wire, or mail-in check.
About CIT Bank
Based in Southern California, CIT Bank is the online bank of CIT Group Inc., a financial holding company with over 100 years in business. Because it's online only, it can save on operating costs and offer customers higher interest rates and lower fees.
CIT Bank only offers online bank products. This includes checking, savings accounts, money market, and CDs.
It also offers home loans, as well as commercial banking and financing to small businesses.
Pros & Cons of Banking with CIT
Pros
- High interest rates, particularly for the Savings Builder account
- No monthly service fees on any of CIT's accounts
- Low opening deposits ($100 for savings accounts and $1,000 for CDs)
- Minimal banking fees
Cons
- No physical locations
- No check writing from the checking account
- CD rates not the highest
- May experience long wait times on the phone
CIT Bank Current Offers
- 1.85% APY
- $100 Minimum Opening Deposit
- No monthly maintenance fee
- FDIC Insured
- 1.80% APY
- Option to Withdraw Full Balance and Interest After 7 Days of CD Funding Date
- $1,000 Minimum Opening Deposit
- 11 Months
- No monthly maintenance fee
- FDIC insured
- Daily Compounding Interest
$150/$300 Cash Bonus for New Account
Open a Savings Builder account with a minimum of $100 and enter promo code Bonus19.
Fund your new account within 15 calendar days. Deposit $25,000 to $49,999 for $150 bonus or $50,000+ for $300 bonus. Maintain the minimum balance requirement for the desired bonus for 90 calendar days.
$150/$300 Cash Bonus for Existing Customers
Enroll in the promotion. Add funds within 15 calendar days with new money. Deposit $25,000 to $49,999 for $150 bonus or $50,000+ for $300 bonus. Maintain the minimum balance requirement for the desired bonus for 30 calendar days.
CIT Bank Savings Builder - $150 Bonus
Deposit $25,000 - $49,999 within 15 calendar days. Conditions Apply.
CIT Bank Savings Builder - $300 Bonus
Deposit $50,000 or more within 15 calendar days. Conditions Apply.
Money Market Account - 1.85% APY
No-Penalty CD
Bottom Line
CIT Bank offers competitive interest rates with relatively low opening requirements. It is a good place for savings if you can deal with some inconveniences, like not having physical branches or ATMs for withdrawal.
Disclaimer: Opinions expressed here are author's alone. Please support CreditDonkey on our mission to help you make savvy decisions. Our free online service is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content.
Disclaimer: This content was first published on July 27, 2019. Information including rates, fees, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check the bank's website for updated information.
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