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 and reviews.
 | ||
| Learn More | Visit Site | |
Capital One | CIT Bank | |
|---|---|---|
Capital One Venture X Business Credit Card - | CIT Bank Platinum Savings - 4.10% APY Boost - | |
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 | 3.30% to 4.30% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.00% | Term CDs up to 4.00% 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 | | |
| Pros & Cons | Pros:
| |
| Bottom Line | Good online bank with access to in-person support... | |
| 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 09/10/2026. CIT Bank: For complete list of account details and fees, see our Personal Account disclosures. | ||
CIT Bank Platinum Savings - 4.10% APY Boost
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 |
- 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
Disclosures
CIT Bank Savings Connect - 3.65% APY
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
Disclosures
CIT Bank No Penalty CD - 3.90% APY
- 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
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.
Articles on Capital One
Capital One 360
Capital One 360 offers free checking and savings accounts with competitive APY rates. Does it live up to its claims? Find out if it's right for you.
Capital One Savings Account Bonus
Looking for a Capital One savings bonus? Read on to see the available promos today and how to qualify for them.
Capital One CD Rates
Interested in Capital One 360 CDs? Here are their rates and how to open one.
Capital One High Yield Savings
Want to grow your funds passively? Capital One offers a high-yield savings account with a solid APY and easy accessibility. Read on to find out more.
Capital One Checking Account Bonus
Curious about Capital One promotions? Discover their latest checking bonuses, how to qualify, and more to optimize your rewards.
Capital One Bank Hours
Capital One Bank is open 6 days a week. Take a look at their operating hours.
Capital One Routing Number
What is the routing number for Capital One? Find the right one for your account with our guide.
Articles on CIT Bank
CIT Bank Reviews
CIT Bank offers a high interest rate. But how reliable is this online bank? Read this review to find out if what you heard is true.
CIT Bank CD Rates
CIT Bank is a well-known online bank with high savings interest rates. Find out how CIT Bank's CD rates compares to other trustworthy banks.
Who is CIT Bank
CIT Bank offers accounts with high interest rates and low fees. But just who is CIT Bank? And should you trust them with your money?
CIT Bank Platinum Savings vs Savings Connect
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.
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 Locations
CIT Bank is an online bank that offers a variety of savings products. Find out how to manage your account, reach customer service, and the bank's current offers.
CIT Platinum Savings
CIT Platinum Savings Account boasts a higher APY than its other savings accounts. But there's a catch. Read on to learn how to get the highest APY.
CIT Bank No Penalty CD
CIT Bank offers a CD account that has no penalty for early withdrawal. Read on to learn about the APY and any requirements or fees that come with it.
CIT Bank High Yield Savings Review
CIT Bank savings accounts offer some of the highest APYs with minimal requirements. Read on to learn how CIT can help you grow your money.
What is CIT Bank
In the modern world, there are some things you just don't have to do anymore. Like drawing water from a well. Or paying fees just to keep your bank account open.
CIT Bank Login
Forgot your CIT Bank username? We'll show you how to login your online bank account.
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.
Which Do You Think is Best?
Which Bank Account is Right for You?
You Might Also Like
Best CD Rates
Unearth the highest CD rates and maximize your savings. This list showcases the banks with the most lucrative rates.
Best Online Bank
Online banks are convenient, pay higher interest rates, and have less fees. Find out which accounts are best (#1 surprised us).
Best National Bank
There are over 5,000 FDIC-insured banks in America. How do you choose a good national bank to keep your money safe?
Citibank Review: Account Good for You?
Citibank offers banking services and credit cards. But service fees and balance requirements are on the high side. Is it the right bank for you?
Most Reliable High Yield Savings Account
Looking for a reliable high-yield savings account to grow your funds? Read on to learn which ones are worth your time.
Find Your Routing Number on a Check
Your routing number is the 9 digit code on the bottom of your check. Don't use the wrong number. Find the correct routing number for your bank.
Next Page: Capital One 360
