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CIT Bank vs Bluevine

CIT Bank is a solid online bank with excellent rates and no monthly fees. How does it compare to Bluevine? Read our comparison chart below.

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.

While Bluevine offers one of the highest APYs on the market for its Business Checking account. You also get 5 free subaccounts, unlimited transactions, 2 free checkbooks a year, and additional users at no extra cost. There's no monthly fee.

Compare CIT Bank with Bluevine, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 CIT BankBluevine
 Visit SiteVisit Site
 

CIT Bank

Bluevine

SPECIAL OFFER
CIT Bank Savings Connect - Learn More

Read CIT Bank Review

SPECIAL OFFER
Business Checking - Up to 2.0% APY - Learn More

Read Bluevine Review

 

Benefits and Features

SavingsSavings Connect: 4.05% APY
Savings Builder up to 1.00% APY with $25,000+ balance or $100 monthly deposit.
No savings account, but you add 5 free sub accounts
CDTerm CDs up to 4.65% APY. $1,000 minimum opening deposit. 
CheckingeChecking: 0.25% APY with $25,000+ balance and 0.10% APY on balances under $25,000Up to 2.0% APY. No monthly fees; no balance requirements; no overdraft fees
Money Market
1.55% APY
 
APY 2.0% APY on balances up to $100,000 for customers that meet monthly eligibility requirements
Customer Service
  • Monday - Friday: 9:00 am - 9:00 pm (ET)
  • Saturday: 10:00 am - 6:00 pm (ET)
  • Sunday: Closed
Phone and email: Monday - Friday. 8 am to 8 pm EST
Minimum Deposit to Open 
$0
ACH Transfer Fee 
$0
ATMs 
37,000+ MoneyPass ATMs
Balance Requirement 
None
Cash Deposit Fee 
$4.95
Incoming Wire Transfer Fee 
$0
Locations
Online Only
Online only
Out of Network ATM Fee 
$2.50
Outgoing Wire Transfer Fee 
$15
Overdraft Fee 
$0
Monthly Fee 
$0
 

CreditDonkey® Reviews

 CIT BankBluevine
SavingsStarStarStarStarStar
CheckingStarStarStarStarHalf StarStarStarStarStarHalf Star
Money MarketStarStarStarStarHalf Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarHalf StarEmpty Star
Mobile AppStarStarStarStarEmpty StarStarStarStarStarHalf Star
FeesStarStarStarStarStar
Pros & ConsPros:
  • High savings APY
  • No monthly fees
  • Low opening deposits
Cons:
  • No physical locations
  • No check writing
Pros:
  • High interest rate
  • $0 monthly fee
  • 2 free checkbooks
Cons:
  • Fees to deposit cash
  • No physical branches
Bottom LineSolid online bank with excellent rates and no monthly fees... Read full reviewFree account with interest for basic business checking needs... Read full review
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Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

CIT Bank: Pricing information and data points from published website as of 10/18/2022.

CIT Bank
Member FDIC

CIT Bank Savings Connect - 4.05% APY

  • Earn 12x the national average
  • $100 minimum opening deposit
  • No monthly maintenance fee
CIT Bank
Member FDIC

CIT Bank Term CDs - Up to 4.65% APY

  • Up to 4.65% APY
  • $1,000 minimum opening deposit
  • No monthly maintenance fee
TermCD Rates
6 Month4.15% APY
1 Year0.30% APY
13 Month4.65% APY
18 Month4.60% APY
2 Year0.40% APY
3 Year0.40% APY
4 Year0.50% APY
5 Year0.50% APY
CIT Bank
Member FDIC

CIT Bank No Penalty CD - 4.10% APY

  • 4.10% 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
Bluevine

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
Banking services provided by Coastal Community Bank, Member FDIC
Bluevine

Open a Free Business Checking Account

  • 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
Banking services provided by Coastal Community Bank, Member FDIC
Bluevine

Business Checking - Up to 2.0% APY

  • 2.0% APY on balances up to $100,000 for eligible customers
  • Unlimited transactions
  • 5 free subaccounts with unique account numbers
  • 2 free checkbooks per year
  • $0 monthly service fee
Banking services provided by Coastal Community Bank, Member FDIC

Which is Better: CIT Bank or Bluevine?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing CIT Bank or Chase.


Articles on CIT Bank

CIT Bank

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 trustworthy. But does CIT have the best CD rates right now? Find out how CIT Bank's interest rate compares.

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 Savings Connect vs Savings Builder

CIT Bank has even more ways to save now. Savings Connect and Savings Builder both offer competitive rates. Find out the bank account that is best for you.

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 only bank with no physical branches. Find out how to manage your account, reach customer service, and the bank's current offers.

CIT Bank Money Market vs Savings Builder

CIT Bank offers both money market and savings accounts. But which is better to keep your money safe? Find out how to choose between the two.

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 Savings Builder

If you can save $100 per month, you can earn a high interest rate with CIT Bank Savings Builder. Find out if this bank is any good.

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.

Articles on Bluevine

Bluevine Business Checking Review

Bluevine offers free business checking with a high interest rate. But what's the catch? Is it right for your business? Read on for the full review.

Is Bluevine Legit

Bluevine provides banking products for small business owners in the digital age. But is it safe and legit? Read on to find out.

Bluevine Alternatives

Bluevine offers a high APY and no monthly fees. But it has limitations. Find out if one of these business checking alternatives is better for you instead.

Which Do You Think is Best?





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