CIT Bank vs Capital One
CIT Bank is a solid online bank with excellent rates and no monthly fees. How does it compare to Capital One? 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. All accounts have no monthly service fees.
While 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.
Compare CIT Bank with Capital One, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
 | ||
| Visit Site | Learn More | |
CIT Bank | Capital One | |
|---|---|---|
CIT Bank Platinum Savings - | Capital One Venture X Business Credit Card - | |
Benefits and Features | ||
| Savings | Platinum Savings: 3.75% APY with a balance of $5,000 or more Savings Connect: 3.65% APY Savings Builder up to 1.00% APY with $25,000+ balance or $100 monthly deposit | |
| CD | Term CDs up to 3.75% APY. $1,000 minimum opening deposit. | 3.20% to 3.90% APY. Terms of 6 months to 5 years. 12-month CD APY of 3.90% |
| Checking | ||
| Money Market | ||
| Mobile App | ||
| ATMs | over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs | |
| Customer Service | Mon - Fri: 9 am - 9 pm ET Sat: 10 am - 6 pm ET Sunday: Closed | Phone: 800-655-2265 Monday - Sunday: 8AM - 11PM (ET) |
| Locations | ||
CreditDonkey® Reviews | ||
| ||
| Savings |  |  |
| Checking |  | |
| Money Market | | |
| Mobile App | | |
| Customer Service | | |
| Pros & Cons | Pros:
| Pros:
|
| Bottom Line | Solid online bank with excellent rates and no monthly fees... | Good online bank with access to in-person support... |
| Visit Site | Learn More | |
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: For complete list of account details and fees, see our Personal Account disclosures. Capital One: Pricing information from published website as of 04/04/2026. | ||
CIT Bank Platinum Savings - 4.10% APY Boost
With 6 month boost, you earn:
| Tier | Boost APY |
|---|---|
| Balance over $5,000 | 4.10%* |
| Balance less than $5,000 | 0.60%* |
After boost is completed, you will continue to earn our best standard rates:
| Tier | APY |
|---|---|
| Balance over $5,000 | 3.75%1 |
| Balance less than $5,000 | 0.25%1 |
- Needs to use promo code to qualify: CITBoost
- Boost lasts 6 months over standard APY
- Tiered account
- $100 minimum account opening
- Member FDIC
- No Monthly Service fees
- No account opening fees
Disclosures
CIT Bank Platinum Savings - 3.75% APY
- 3.75% 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
Disclosures
CIT Bank Savings Connect - 3.65% APY
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
Disclosures
Which is Better: CIT Bank or Capital One?
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 UFB Direct.
In short: CIT Bank's savings is outstanding.
Articles on CIT Bank
CIT Bank Reviews
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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.
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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.
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Forgot your CIT Bank username? We'll show you how to login your online bank account.
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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.
Articles on Capital One
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