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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 offers savings accounts and multiple CDs, including a no-penalty CD. Savings and Money Market account requires $100 minimum deposit, while term CDs require $1,000 minimum deposit. There are 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.

 CIT Bank
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Capital One

CIT Bank

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Current Promotion - Learn More

Read Capital One Review

SPECIAL OFFER
CIT Bank Savings Builder - Up to $300 Bonus - Learn More

Read CIT Bank Review

 

Benefits and Features

Savings1.80% APY. No monthly service fee and no minimum deposit.Savings Builder up to 1.85% APY with $25,000 minimum balance or $100 monthly deposit. $100 minimum opening deposit.
CD0.60% to 2.10% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.10%. No deposit to open.Term CDs up to 1.85% APY. $1,000 minimum opening deposit. No monthly maintenance fee.
Checking0.20% APY under $50,000; 0.50% APY $50,000 or more; 0.75% APY $100,000 or more. No monthly service fee and no minimum deposit. Overdraft options prevent you from being charged when you accidentally overdraweChecking: 0.25% APY with $25,000 minimum balance and 0.10% APY on balances under $25,000
Money Market0.85% APY up to $9,999.99; 1.70% APY $10,000 or more. No monthly service fee and no minimum deposit.1.85% APY. $100 minimum deposit. No monthly maintenance fee.
Customer Service
Mon-Sun: 8am - 11pm (ET)
Monday - Friday: 8:00 am - 9:00 pm (ET)
Saturday: 9:00 am - 5:00 pm (ET)
Sunday: 11:00 am - 4:00 pm (ET)
ATMsOver 39,000 no-fee Capital One & Allpoint ATMs 
IRA CD0.60% to 2.10% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.10%. 
Locations
Online Only
Online Only
 

CreditDonkey® Reviews

 CIT Bank
Savings
Checking
Money Market
Customer Service
Mobile App
Pros & ConsPros:
  • Overdraft protection options
  • No account minimums
  • 27 Capital One cafes for in-person support
Cons:
  • Lower savings APY compared to other online banks
Pros:
  • High APY
  • No minimum deposit for savings
  • No monthly service fees
Cons:
  • No checking accounts
  • No ATM card
Bottom LineGood online bank with access to in-person support... Read full reviewSolid online bank with excellent rates and no monthly fees... Read full review
 Learn MoreVisit Site
What Others View

    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 11/15/2019.

    CIT Bank: Pricing information from published website as of 10/1/2019

    Which is Better: Capital One or CIT Bank?

    Still need help deciding which bank is better? Read the in-depth reviews below. You may also be interested in comparing Capital One or Chase.

    In short: CIT Bank's savings and money market are notable. In particular, the money market is outstanding.


    Articles on Capital One


    Articles on CIT Bank

      CIT Bank Review

      Want a higher interest rate at a good FDIC insured bank? CIT is tempting, but there are downsides you should not ignore. Read this review before you open an account.

      CIT Bank Login

      Forgot your CIT Bank username? We'll show you how to login your online bank account.

      CIT Bank Complaints

      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.

      CIT Bank CD Rates

      CIT Bank is known for competitive interest rates on savings products. How are their CD rates? Find out the current rates and how they compare.

      CIT Bank Savings Builder Review

      If you can save just $100 per month, you can earn a high APY with CIT Bank's Savings Builder. Find out if this bank is good for you.

      CIT Bank Routing Number

      Want to transfer money in or out of your CIT Bank account? Read this review to find your ABA routing number.

      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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