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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CIT Bank Locations
CIT is an online bank based in Southern California. There is only one physical location at their headquarters in Pasadena:
75 North Fair Oaks Ave
Pasadena, CA 91103
However, this is only their headquarters' office. It's not a place where you can walk in, open accounts, or do banking business.
CIT Bank also does not have an ATM network. But it doesn't charge any ATM fees and even reimburses up to $30 per month in other banks' ATM fees.
Pros & Cons of Banking with CIT
Pros
- High interest rates, particularly for the Savings Connect account (Find out more)
- No monthly service fees on any of CIT's accounts
- Low opening deposits ($100 for savings accounts and $1,000 for CDs)
- Minimal banking fees
Cons
- No physical locations
- No check writing from the checking account
- Incoming ACH transfers and check deposits may take a few days
- May experience long wait times on the phone
CIT Bank Savings Connect - 3.25% APY
- Earn 15x the national average
- $100 minimum opening deposit
- No monthly maintenance fee
Money Market Account - Get a Year of Amazon Prime
- Open a new Money Market account using promo code AMZN22.
- Fund your account with $15,000 within 15 days.
- Keep a minimum balance of $15,000 for 60 days.
CIT Bank Term CDs
- Up to 4.25% APY
- $1,000 minimum opening deposit
- No monthly maintenance fee
| Term | CD Rates |
|---|---|
| 6 Month | 2.75% APY |
| 1 Year | 0.30% APY |
| 13 Month | 4.15% APY |
| 18 Month | 4.25% APY |
| 2 Year | 0.40% APY |
| 3 Year | 0.40% APY |
| 4 Year | 0.50% APY |
| 5 Year | 0.50% APY |
How to Open a CIT Account
All CIT accounts must be opened online. It takes just a few minutes.
- Start here to open a new account.
- Provide your name, address, phone, email, and Social Security number (or other taxpayer ID).
Related: CIT Bank Promo Code
- Fund your account via electronic transfer from a linked checking or savings account, bank wire, or mail-in check.
CIT Customer Service Number & Hours
New and existing CIT customers can call to speak to representatives at:
855-462-2652 (within U.S.)
626-535-8964 (outside U.S.—toll call)
You can reach representatives at these hours:
- Monday - Friday: 9:00 am - 9:00 pm (ET)
- Saturday: 10:00 am - 6:00 pm (ET)
- Sunday: Closed
If you're a new customer and have questions about opening an account, this is the only way to reach CIT. CIT does not offer a contact email or live chat for new customers.
Other Ways to Contact CIT
Here are some other ways to contact CIT and manage your account:
- Online and Mobile Banking
Existing customers can send CIT secure emails through their online account. Online and mobile banking is available 24/7. - Automated Phone Line
Existing customers can check their account balance anytime via CIT's automated phone service at 855-462-2652. - Mail In
Banking forms and checks can be mailed to:CIT Bank, N.A.
P.O. Box 7056
Pasadena, CA 91109-9699 - Email Forms
You can also email banking forms to bankingforms@cit.com. - Fax
CIT's fax number is 866-914-1578.
About CIT Bank
CIT Bank is a division of First Citizens Bank. Headquartered in North Carolina, First Citizens has more than 120 years in business. Because CIT is online only, it can save on operating costs and offer customers higher interest rates and lower fees.
CIT Bank only offers online bank products. This includes checking, savings accounts, money market, and CDs.
It also offers home loans, as well as commercial banking and financing to small businesses.
CIT Bank Current Offers
CIT Bank Savings Connect - 3.25% APY
- Earn 15x the national average
- $100 minimum opening deposit
- No monthly maintenance fee
Money Market Account - Get a Year of Amazon Prime
- Open a new Money Market account using promo code AMZN22.
- Fund your account with $15,000 within 15 days.
- Keep a minimum balance of $15,000 for 60 days.
CIT Bank Term CDs
- Up to 4.25% APY
- $1,000 minimum opening deposit
- No monthly maintenance fee
| Term | CD Rates |
|---|---|
| 6 Month | 2.75% APY |
| 1 Year | 0.30% APY |
| 13 Month | 4.15% APY |
| 18 Month | 4.25% APY |
| 2 Year | 0.40% APY |
| 3 Year | 0.40% APY |
| 4 Year | 0.50% APY |
| 5 Year | 0.50% APY |
CIT Bank No Penalty CD
- 3.30% 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
CIT Bank Money Market Account - 1.55% APY
- 1.55% APY
- $100 minimum opening deposit
- No monthly maintenance fee
CIT Savings Builder - 1.00% APY
Earn up to 1.00% APY. Here's how it works: Maintain a minimum balance of $25k OR make at least a $100 minimum deposit every month. Member FDIC
CIT Bank Jumbo CDs
- Up to 0.50% APY
- $100,000 minimum opening deposit
- No monthly maintenance fee
| Term | CD Rates |
|---|---|
| 2 Year | 0.40% APY |
| 3 Year | 0.40% APY |
| 4 Year | 0.50% APY |
| 5 Year | 0.50% APY |
CIT Bank Money Market Account
- Earn over 6x the national average
- New customers can apply online with a minimum of $100 to open an account
- Fund the account with electronic transfer, mail in check, or wire transfer
- No monthly service fees
- Deposit checks remotely and make transfers with the CIT Bank mobile app
Earn 15x National Average
Save smart and earn 3.25% APY at CIT Bank, a CreditDonkey recommended partner.
Earn 6x National Average
Save smart and earn 1.55% APY at CIT Bank, a CreditDonkey recommended partner.
Bottom Line
CIT Bank offers competitive interest rates with relatively low opening requirements. It is a good place for savings if you can deal with some inconveniences, like not having physical branches and slower money transfer times.
CIT Bank Savings Connect - 3.25% APY
- Earn 15x the national average
- $100 minimum opening deposit
- No monthly maintenance fee
Citi Priority Account - Earn up to $2,000 Cash Bonus
- Earn up to $2,000 cash bonus when you open a new eligible Citi Priority Checking Account with required activities
- Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds.
- Maintain a minimum balance for 60 consecutive calendar days from the 21st day.
- If your balance falls to a lower tier at any point during the maintenance period, the bonus changes.
- Bonus will be paid within 30 days after you successfully complete all required activities.
Discover Online Savings - $200 Cash Bonus
To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online, in the Discover App or by phone. Enter Offer Code CY922 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 30 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 12/15/2022, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.
Chase Total Checking® - $200 Bonus
- New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking® account and set up direct deposit
- Access to more than 16,000 Chase ATMs and more than 4,700 branches
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- Chase Overdraft Assist℠ - no overdraft fee if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
*With Chase Overdraft Assist℠, we won't charge an Insufficient Funds Fee if you're overdrawn by $50 or less at the end of the business day OR if you're overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.
Business Checking - Up to 2.0% APY
- 2.0% APY on your balance up to $100,000 for customers that meet monthly eligibility requirements
- $0 minimum opening deposit
- $0 monthly service fee
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