Updated October 1, 2020

CIT Bank Routing Number

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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.

Routing numbers are 9-digit numbers that banks use to identify themselves. Think of them as an address that lets other banks know where to find your money.

You need your routing number for many tasks, including:

  • ACH payments
  • Setting up direct deposit
  • Receiving government benefits, including tax refunds
  • Transferring money between banks or investment firms
  • Automatic bill payment
  • Domestic wire transfers

CIT Bank Routing Number

Banks with branches in more than one state typically have more than one routing number. However, since CIT Bank is an online bank, all customers use the same one.

CIT Bank routing number for all personal banking accounts is 124084834.

Finding Your CIT Bank Routing Number

Here are two other ways to find your CIT Bank routing number:

Use a Check
For checking accounts, you can find the routing number in the lower left-hand corner of the checks corresponding to your account. It's the first 9 digits located at the bottom of the check.

Call Customer Service
Call CIT Bank at 855-462-2652. After you provide a few specific details to identify yourself, a representative will be able to confirm your account's routing number.

Breaking down your routing number
The first four digits pertain to the Federal Reserve. The next four digits are unique to your bank. Consider those the bank's address for the Federal Reserve. The final digit is a mathematical calculation of the first eight digits—it's used to prevent check fraud.

Routing Numbers for Domestic Wire Transfers

From your CIT Bank account, you can wire money to other bank accounts located in the U.S. Other accounts can also wire funds to you.

To receive a domestic wire transfer, use the routing number 124084834.

You'll also need the following:

  • Recipient's name as it appears on the account
  • Location of the recipient's bank (including city and state)
  • Account number
  • Bank routing number

CIT does not charge for incoming wire transfers. Outgoing wires are free for customers with an average daily balance greater than $25,000. Otherwise, you'll pay $10 per wire.

Commercial, listing services, and institutional clients should call CIT Bank at 877-748-0004 to get the correct routing number for wire transfers.

Routing Numbers for International Wires

CIT Bank currently does not service outbound international wire transfers. However, you can receive an international wire transfer to your CIT Bank account.

Simply provide the routing number 124084834. CIT Bank does not have a SWIFT code, which is the international equivalents of the U.S. routing numbers.

To send a domestic wire transfer from your CIT account, fill out the CIT wire transfer paperwork. Then:

  1. Upload it to the Document Center in your online account OR

  2. Fax it to a CIT Bank representative using the fax number (866) 914-1578.

Is There a Routing Number on Your Debit or Credit Card?
Although your debit card is associated with a bank account, you do not use a routing number for debit card transactions. Routing numbers are only used for transfers directly between bank accounts.

Likewise, credit cards do not have routing numbers since they are not directly linked to any bank account. When you pay your credit card online, you may need to use your bank account routing number to set up the link between your credit card account and checking account, like you would for any other bill.

Bottom Line

You'll likely need CIT Bank's routing number when managing your finances. Keep it handy should you need to set up a direct deposit, automatic payment, or wire transfer using your CIT bank account.

CIT Bank
Member FDIC

CIT Bank Platinum Savings - 5.05% APY

  • 5.05% 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
Citibank
Member FDIC

Enhanced Direct Deposit - Earn $300 Cash Bonus

Earn $300 cash bonus when you open a new eligible checking account with Enhanced Direct Deposit and complete required activities. Member FDIC

  • Open a new eligible Citi Checking account with Enhanced Direct Deposits
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  • Earn a $300 cash bonus. Your cash bonus will be deposited to your open, eligible checking account within 30 calendar days after required activities have been completed.
Discover Bank
Member FDIC

Online Savings Account - Earn 4.25% APY

  • No fees
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Chase
Member FDIC

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Expires 4/17/2024
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Bank of America
Member FDIC

Bank of America Advantage Banking - $200 Bonus Offer

Expires 5/31/2024
  • The $200 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
  • The offer is for new checking customers only.
  • Offer expires 5/31/2024.
  • To qualify, open a Bank of America Advantage Banking account through the promotional page and set up and receive qualifying direct deposits totaling $2,000 or more into that new account within 90 days of opening.
  • Bank of America will attempt to pay bonus within 60 days.
  • Additional terms and conditions apply. See offer page for more details.
  • Bank of America, N.A. Member FDIC.

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About CIT Bank Promotions

CIT Bank offers some of the highest interest rates on the market. It is an online bank that offers a variety of savings products. Because of CIT's merger with First Citizens Bank, you can also access products and services offered by First Citizens.

About CreditDonkey
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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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