Capital One vs CIT Bank
Capital One is a good online bank with access to in-person support. How does it compare to CIT Bank? Read our comparison chart below.
Capital One offers competitive rates on their savings account. Their interest checking has several overdraft options in cases of accidental overdraw. There are no minimum deposits or 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 Capital One with CIT Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
 | ||
| Learn More | Visit Site | |
Capital One | CIT Bank | |
|---|---|---|
Personal Savings Account - $1,500 Bonus - | CIT Bank Platinum Savings - | |
Benefits and Features | ||
| Savings | 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 | 3.20% to 4.10% APY. Terms of 6 months to 5 years. 12-month CD APY of 3.75% | Term CDs up to 3.75% APY. $1,000 minimum opening deposit. |
| Checking | ||
| Money Market | ||
| Mobile App | ||
| ATMs | over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs | |
| Customer Service | Phone: 800-655-2265 Monday - Sunday: 8AM - 11PM (ET) | Mon - Fri: 9 am - 9 pm ET Sat: 10 am - 6 pm ET Sunday: Closed |
| Locations | ||
CreditDonkey® Reviews | ||
| ||
| Savings |   | |
| Checking | |  |
| Mobile App | | |
| Customer Service | | |
| Money Market | | |
| Pros & Cons | Pros:
| Pros:
|
| Bottom Line | Good online bank with access to in-person support... | Solid online bank with excellent rates and no monthly fees... |
| Learn More | Visit Site | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Capital One: Pricing information from published website as of 03/25/2026. CIT Bank: For complete list of account details and fees, see our Personal Account disclosures. | ||
CIT Bank Platinum Savings - 4.10% APY Boost
- Needs to use promo code to qualify: CITBoost
- Boost lasts 6 months over standard APY
- Tiered account
- $100 minimum account opening
- Member FDIC
- No Monthly Service fees
- No account opening fees
With 6 month boost, you earn:
| Tier | Boost APY |
|---|---|
| Balance over $5,000 | 4.10%* |
| Balance less than $5,000 | 0.60%* |
After boost is completed, you will continue to earn our best standard rates:
| Tier | APY |
|---|---|
| Balance over $5,000 | 3.75%1 |
| Balance less than $5,000 | 0.25%1 |
Disclosures
CIT Bank Platinum Savings - 3.75% APY
- 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
CIT Bank Savings Connect - 3.65% APY
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
Disclosures
Which is Better: Capital One or CIT Bank?
Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Capital One or Bank of America.
In short: CIT Bank's savings is outstanding.
Articles on Capital One
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CIT Platinum Savings is CIT Bank's newest savings account. It advertises a higher APY. Check out how it compares to Savings Connect. Get a higher rate now.
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CIT Bank offers a high APY. But there are some downsides, too. Read on to learn more about CIT Bank common complaints and possible solutions.
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Forgot your CIT Bank username? We'll show you how to login your online bank account.
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Want to transfer money in or out of your CIT Bank account? Read this review to find your ABA routing number.
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