CIT Bank vs U.S. Bank
CIT Bank is a solid online bank with excellent rates and no monthly fees. How does it compare to U.S. Bank? 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 U.S. Bank has over 2,000 branches across 26 states. It has somewhat high minimum balance requirements to waive monthly checking account service fees. Their promotional CD Special offers high interest rates with a $1,000 minimum opening deposit.
Compare CIT Bank with U.S. Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
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| Visit Site | Learn More | |
CIT Bank | U.S. Bank | |
|---|---|---|
CIT Bank Platinum Savings - | U.S. Bank Basic Business Savings Account - $200 Bonus | |
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 | Bank Smartly® Savings: Minimum deposit $25. Monthly maintenance fee $5, unless you have a Bank Smartly® Checking, or Safe Debit account, or Bank Smartly™ Visa Signature® card, or for accounts with a minor under the age of 18. |
| CD | Term CDs up to 3.75% APY. $1,000 minimum opening deposit. | Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000. |
| Checking | eChecking: 0.25% APY with $25,000+ balance and 0.10% APY on balances under $25,000 | |
| Money Market | 0.01% - 3.75% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee is $10 unless you open a U.S. Bank Smartly Checking account and enroll in the Smart Rewards® Gold tier or above, or maintain a $10,000 minimum daily balance. | |
| Mobile App | ||
| ATMs | No ATM fees from CIT Bank. Up to $30 in other banks' ATM fees reimbursed per month (for eChecking Account) | 4,700+ U.S. Bank ATMs across the country |
| Customer Service | Mon - Fri: 9 am - 9 pm ET Sat: 10 am - 6 pm ET Sunday: Closed | 24/7 Live Customer Service (Telephone) |
| IRA Money Market | Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees. | |
| Locations | ||
CreditDonkey® Reviews | ||
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| Savings |  |  |
| Checking |  | |
| Money Market | | |
| Mobile App | | |
| Customer Service | | |
| CD | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Solid online bank with excellent rates and no monthly fees... | Big national bank with wide array of services and many account options... |
| 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. U.S. Bank: Pricing information from published website as of 11/12/2025 based on 91107 zip code. | ||
CIT Bank Platinum Savings - $300 Bonus
- Qualify for a $300 cash bonus with a minimum deposit of $50,000
- This limited time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025 and can end at any time without notice.
Overview
Disclosures
CIT Bank Platinum Savings - $225 Bonus
- Qualify for a $225 cash bonus with a minimum deposit of $25,000
- This limited time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025 and can end at any time without notice.
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
Which is Better: CIT Bank or U.S. Bank?
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, checking, and money market are notable. In particular, the savings is outstanding.
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.
CIT Bank CD Rates
CIT Bank is a well-known online bank with high savings interest rates. Find out how CIT Bank's CD rates compares to other trustworthy banks.
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 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.
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 Bank PS2025
The current CIT Bank promo code is PS2025 , which lets eligible customers earn up to $300 bonus when opening a Platinum Savings account.
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
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 U.S. Bank
U.S. Bank Review
Weighing up on banking with U.S. Bank? This comprehensive review covers its pros, cons and how it stacks up against other banks.
U.S. Bank Savings Account Interest Rate
U.S. Bank offers a beginner-friendly savings account with a decent APY if you qualify for relationship rates. Is it worth it? Read on to find out.
Who Owns U.S. Bank
U.S. Bank is owned by its multiple institutional and individual shareholders. If you're curious about its safety, read on to learn more.
U.S. Bank Business Checking Requirements
Opening a U.S. Bank business checking account can be fast and easy. Most allow online application and require fewer documents than other banks.
U.S. Bank Problems
U.S. Bank may be one of the best-established banks in the U.S. But it's not exactly problem-free. Here's what you may encounter.
Chase vs U.S. Bank Business Account
U.S. Bank offers a free business checking account, while Chase offers more features. Which is better? Find out here.
U.S. Bank Checking Bonus
Get a bonus when you open a new account with U.S. Bank. Learn more about their bonuses to kick-start your banking journey.
U.S. Bank Business Checking Bonus
Boost your business with a business checking bonus from U.S. Bank. Learn how to make the most out of this offer.
U.S. Bank Routing Number
To transfer money in or out of your U.S. Bank checking or savings account, you'll need the right routing number. Find your U.S. Bank routing number below.
Which Do You Think is Best?
Which Bank Account is Right for You?
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