CIT Bank vs Huntington Bank

CIT Bank is a solid online bank with excellent rates and no monthly fees. How does it compare to Huntington? 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 Huntington has nearly 1,000 branches throughout the Midwest. It offers a few checking and savings options. Minimum requirements are high on interest-bearing accounts, though it has a free checking option.

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

	Member FDIC	HuntingtonLive Oak BankUFB DirectU.S. BankWells FargoBank of AmericaKeyBank Member FDIC
	Visit Site	Learn More
	CIT Bank	Huntington Bank
	SPECIAL OFFER CIT Bank Platinum Savings - Learn More Read CIT Bank Review	SPECIAL OFFER Personal Checking Account - $600 Bonus - Learn More Read Huntington Review
	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	0.01% APY (Premier Savings). $4 monthly fee, unless you have 1) daily average balance of $300, or 2) linked to a Huntington Asterisk-Free Checking Account. Minimum deposit of $50.
CD	Term CDs up to 3.75% APY. $1,000 minimum opening deposit.	0.50% APY for amounts ranging from $1,000 to $99,999.99. Minimum deposit is $1,000.
Checking	eChecking: 0.25% APY with $25,000+ balance and 0.10% APY on balances under $25,000	Asterisk-Free Checking: No minimum balance and no monthly maintenance fees Huntington Perks Checking: 5 non-Huntington ATM withdrawals per month Huntington Platinum Perks Checking: Unlimited non-Huntington ATM withdrawals
Money Market	1.55% APY	0.05% APY for amounts of $25,000 to $2,000,000. $25 monthly maintenance fee unless there is 1) average daily balance of $25,000, or 2) linked to a Huntington Perks or Huntington Platinum Perks Checking account.
Mobile App	iOS & Android
ATMs	No ATM fees from CIT Bank. Up to $30 in other banks' ATM fees reimbursed per month (for eChecking Account)	over 1,600 ATMs
Customer Service	Mon - Fri: 9 am - 9 pm ET Sat: 10 am - 6 pm ET Sunday: Closed	24/7
Locations	Online Only	nearly 1,000 branches
	CreditDonkey® Reviews
Savings
Checking
Money Market
Mobile App
Customer Service
CD
Pros & Cons	Pros: High savings APY No monthly fees Low opening deposits Cons: No check writing	Pros: Free checking option 24-Hour Grace All day deposit Cons: Limited branches Low savings APY
Bottom Line	Solid online bank with excellent rates and no monthly fees... Read full review	Midwest bank with great account benefits and free checking option... Read full review
	Visit Site	Learn More
	CIT Bank Platinum Savings CIT Bank Savings Connect CIT Bank No Penalty CD - 3.75% APY	Personal Checking Account - $600 Bonus Personal Checking Account - $400 Bonus Business Checking Account - $1,000 Bonus
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. Huntington: Pricing information from published website as of 11/14/2025 based on 43215 zip code.

Member FDIC

CIT Bank Platinum Savings - 3.75% APY

Learn More

• 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

Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance.

*APYs — Annual Percentage Yields are accurate as of January 9, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.

For complete list of account details and fees, see our Personal Account disclosures.

Member FDIC

CIT Bank Savings Connect - 3.65% APY

Learn More

• $100 minimum opening deposit
• No monthly maintenance fee
• Member FDIC

Disclosures

APY — Annual Percentage Yield is accurate as of January 9, 2026. Interest Rates for the Savings Connect Account are variable and may change at any time without notice. The minimum to open a Savings Connect account is $100. Fees could reduce earnings on the account.

For complete list of account details and fees, see our Personal Account disclosures.

Member FDIC

CIT Bank No Penalty CD - 3.75% APY

Get Deal

• 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
• Member FDIC

Disclosures

APY — Annual Percentage Yield is accurate as of January 9, 2026. $1,000 minimum to open the account.

With a No-Penalty CD, you may withdraw the total balance and interest earned, without penalty, beginning 7 days after funds have been received for your CD. No withdrawals are permitted during the first 6 days following the receipt of funds.

For complete list of account details and fees, see our Personal Account disclosures.

Which is Better: CIT Bank or Huntington?

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 and money market are notable. In particular, the savings is outstanding. Huntington's customer service is impressive.

Articles on CIT Bank

CIT Bank Savings Review

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.

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CIT Bank CD Rates

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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?

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CIT Bank Savings Connect vs Platinum Savings

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.

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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 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 Review

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 Review

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

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.

CIT Bank Login

Forgot your CIT Bank username? We'll show you how to login your online bank account.

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 Huntington Bank

Huntington Bank Review

Huntington Bank provides great accounts benefits like free Overdraft Protection Transfers. Read on to see if this bank is right for you.

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Huntington Bank Savings Account Interest Rates

Huntington Bank offers two savings accounts with low APY. Is it still worth it? Read on to find out.

• Huntington vs KeyBank

Huntington Bank CD Rates

What's the Huntington Bank CD promotional rate? Read this review to find out if the APY is worth your time.

Huntington Bank Money Market Rates

Huntington Bank Relationship Money Market Account lets you earn interest on your savings. Find out if the APY is worth your time below.

Huntington Bank Hours

Huntington Bank is a full-service bank based in the Midwest. Find out when you can visit a local branch, drive-thru, or ATM near you.

Huntington Bank Routing Number

You'll need the right routing number to transfer money in or out of your Huntington bank account. Learn which routing number you'll need for different transactions below.

Which Do You Think is Best?

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