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

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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

Citi Priority - Earn up to $2,000 Cash Bonus

Expires 1/9/2024
  • Earn up to $2,000 when you open a new eligible Citi checking account and enroll in the offer the same day
  • New to Relationship customers can choose their Relationship Tier.
  • 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 Balance Level at any point during the maintenance period, the bonus changes.
  • Bonus will be paid within 30 days after you successfully complete all required activities.
  • Restrictions apply.
Discover Bank
Member FDIC

Discover Online Savings - $200 Cash Bonus

Expires 12/14/2023

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 CY923 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 60 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 12/14/2023, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.

Chase
Member FDIC

Chase Total Checking® - $200 Bonus

Expires 10/18/2023
  • 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 15,000 Chase ATMs and more than 4,700 branches
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • JPMorgan Chase Bank, N.A. Member FDIC
  • 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 fees 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*
Bank of America
Member FDIC

Bank of America Business Advantage Checking Account - $200 Bonus Offer

Expires 12/31/2023
Earn a cash bonus in three steps:
  1. Open a new eligible business checking account by December 31, 2023
  2. Make Qualifying Deposits* of $5,000 or more in new money within 30 days of opening the new eligible business checking account
  3. Maintain an average balance of $5,000 for the next 60 days (day 31-90) during the maintenance period**
*Qualifying Deposits are deposits of new money, which is money not currently or previously held in any account at Bank of America or Merrill
**The maintenance period begins thirty-one (31) days after account opening and ends ninety (90) calendar days after account opening.
Member FDIC

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Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.

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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.

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