Axos Bank vs CIT Bank

Axos Bank is a full-service online bank with excellent cashback and interest checking. How does it compare to CIT Bank? Read our comparison chart below.

Axos Bank offers a range of checking and savings products. Checking options includes a up-to 1% cashback account and rewards checking account with a higher interest rate. Savings options include savings accounts and CDs with higher-than-average rates. All accounts have no monthly service fees.

While CIT Bank is an online division of First Citizens Bank. It's known for high interest rates on its savings accounts and CDs. All accounts have no monthly service fees.

Compare Axos Bank with CIT Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Member FDIC	Member FDIC
	Learn More	Visit Site
	Axos Bank	CIT Bank
	SPECIAL OFFER Rewards Checking - Up to 3.30% APY - Learn More Read Axos Bank Review	SPECIAL OFFER CIT Bank Platinum Savings - Learn More Read CIT Bank Review
	Benefits and Features
Savings	0.61% APY (balances under $25k); 0.25% APY ($25K-$100K); 0.15% APY ($100k and over)	Platinum Savings: 3.75% APY with a balance of $5,000 or more Savings Connect: 3.65% APY Savings Builder up to 1.00% APY with $25,000+ balance or $100 monthly deposit
CD	0.20% APY. Terms of 3 months to 5 years. $1,000 minimum	Term CDs up to 3.75% APY. $1,000 minimum opening deposit.
Checking	Rewards Checking: Up to 3.30% APY Cashback Checking: Up to 1% cashback
Money Market	0.25% APY	1.55% APY
Mobile App	iOS & Android	iOS & Android
ATMs	approximately 91,000 partner ATMs
Customer Service	24/7	Mon - Fri: 9 am - 9 pm ET Sat: 10 am - 6 pm ET Sunday: Closed
Locations	Online only	Online Only
	CreditDonkey® Reviews
Savings
CD
Checking
Money Market
Mobile App
ATMs
Locations
Customer Service
Pros & Cons	Pros: Checking with rewards No monthly fee Domestic ATM rebates Cons: Low CD rates No physical branches	Pros: High savings APY No monthly fees Low opening deposits Cons: No check writing
Bottom Line	Full-service online bank with excellent cashback and interest checking... Read full review	Solid online bank with excellent rates and no monthly fees... Read full review
	Learn More	Visit Site
	Rewards Checking - Up to 3.30% APY Axos ONE - Earn up to 4.21% APY Basic Business Checking - Up to $200 Bonus	CIT Bank Platinum Savings CIT Bank Savings Connect CIT Bank No Penalty CD - 3.75% APY
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Axos Bank: Pricing information from published website as of 11/21/2025. CIT Bank: For complete list of account details and fees, see our Personal Account disclosures.

Member FDIC

Rewards Checking - Up to 3.30% APY

Get Deal

• Build your own APY with up to 3.30% APY*
• Zero monthly maintenance fees
• Zero overdraft or NSF fees
• Zero minimum monthly balance reqs
• No initial deposit requirement
• Unlimited domestic ATM fee reimbursements
• Online debit card management
• Simple, 3-step process for direct deposit

Member FDIC

Axos ONE - Earn up to 4.21% APY

Learn More

• Earn up to 4.21% APY* on savings, and 0.51% APY* on checking when you meet requirements.
• Get your money up to 2 days early.
• No monthly maintenance, minimum balance, account opening, or overdraft fees.

Member FDIC

Basic Business Checking - Up to $200 Bonus

Get Deal

Expires 6/30/2026

• Open a Basic Business Checking account using promo code START200 by June 30, 2026.
• Every dollar counts when you're starting out. That's why new businesses can earn up to $200 opening a new Basic Business Checking account today.
• No initial deposit requirement
• No minimum balance requirement
• No monthly maintenance fees
• Free domestic incoming wires. Two (2) outgoing domestic wire fees reimbursed per month.
• Unlimited domestic ATM fee reimbursements
• Unlimited item processing (debits, credits, and deposited items)
• Cash deposits via MoneyPass and Allpoint networks

Member FDIC

CIT Bank Platinum Savings - 3.75% APY

Learn More

• 3.75% APY with a balance of $5,000 or more
• 0.25% APY with a balance of less than $5,000
• $100 minimum opening deposit
• No monthly maintenance fee
• Member FDIC

Disclosures

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 January 9, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% 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.

For complete list of account details and fees, see our Personal Account disclosures.

Member FDIC

CIT Bank Savings Connect - 3.65% APY

Learn More

• $100 minimum opening deposit
• No monthly maintenance fee
• Member FDIC

Disclosures

APY — Annual Percentage Yield is accurate as of January 9, 2026. Interest Rates for the Savings Connect Account are variable and may change at any time without notice. The minimum to open a Savings Connect account is $100. Fees could reduce earnings on the account.

For complete list of account details and fees, see our Personal Account disclosures.

Member FDIC

CIT Bank No Penalty CD - 3.75% APY

Get Deal

• Option to withdraw full balance and interest after 7 days of CD funding date
• $1,000 minimum to open an account
• 11 months
• No monthly maintenance fee
• Member FDIC

Disclosures

APY — Annual Percentage Yield is accurate as of January 9, 2026. $1,000 minimum to open the account.

With a No-Penalty CD, you may withdraw the total balance and interest earned, without penalty, beginning 7 days after funds have been received for your CD. No withdrawals are permitted during the first 6 days following the receipt of funds.

For complete list of account details and fees, see our Personal Account disclosures.

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