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. In addition, it offers an eChecking account. 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: 4.10% APY with a balance of $5,000 or more Savings Connect: 4.00% APY Savings Builder up to 1.00% APY with $25,000+ balance or $100 monthly deposit | |
| CD | 3.50% to 4.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.00% | Term CDs up to 3.50% APY. $1,000 minimum opening deposit. |
| Checking | eChecking: 0.25% APY with $25,000+ balance and 0.10% APY on balances under $25,000 | |
| Money Market | ||
| Mobile App | ||
| ATMs | over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs | No ATM fees from CIT Bank. Up to $30 in other banks' ATM fees reimbursed per month (for eChecking Account) |
| 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 | ||
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| Savings |   | |
| Checking | |  |
| Mobile App | | |
| Customer Service | | |
| Money Market | | |
| Pros & Cons | Pros:
| Pros:
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| 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 04/10/2025. CIT Bank: Pricing information and data points from published website as of 04/17/2025. | ||
CIT Bank Platinum Savings - $300 Bonus
- Transfer a one-time deposit of $50,000+ for a Bonus of $300
- 4.10% APY with a balance of $5,000 or more
- 0.25% APY with a balance of less than $5,000
- No monthly maintenance fee
- Member FDIC
Terms and Conditions
CIT Bank Platinum Savings - $225 Bonus
- Transfer a one-time deposit of $25,000 - $49,999.99 for a Bonus of $225
- 4.10% APY with a balance of $5,000 or more
- 0.25% APY with a balance of less than $5,000
- No monthly maintenance fee
- Member FDIC
Terms and Conditions
CIT Bank Platinum Savings - 4.10% APY
- 4.10% 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
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 Chase.
In short: CIT Bank's savings is outstanding.
Articles on Capital One
Capital One 360
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Capital One Money Teen Checking Account Review
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Capital One Savings Account Bonus
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Capital One Bank is open 6 days a week. Take a look at their operating hours.
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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.
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Which Bank Account is Right for You?
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