Acorns Early vs CIT Bank

Acorns Early is a good banking app with fun educational content. How does it compare to CIT Bank? Read our comparison chart below.

Acorns Early is a financial learning app for ages 6-18. It lets kids spend with a debit card, set savings goals, get paid for chores, and more. The app evolves with kids to suit their needs at different ages. Plans start from $5/mo per child.

While 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.

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

		Member FDIC
	Visit Site	Visit Site
	Acorns Early	CIT Bank
	SPECIAL OFFER Acorns Early Kids' Debit Card - Learn More Read Acorns Early Review	SPECIAL OFFER CIT Bank Platinum Savings - Learn More Read CIT Bank Review
	Benefits and Features
Savings	Create savings goals; No APY (parent-paid interest only)	Platinum Savings: 4.10% APY with a balance of $5,000 or more Savings Connect: 4.00% APY Savings Builder up to 1.00% APY with $25,000+ balance or $100 monthly deposit
CD		Term CDs up to 3.50% APY. $1,000 minimum opening deposit.
Checking	Debit card up to 4 kids (Family Plan); 1 debit card (Individual Child)	eChecking: 0.25% APY with $25,000+ balance and 0.10% APY on balances under $25,000
Kids Debit Card
Money Market		1.55% APY
Mobile App	iOS & Android	iOS & Android
ATMs	No fee for either domestic (US) or international ATM use. ATM owners may charge a fee.	No ATM fees from CIT Bank. Up to $30 in other banks' ATM fees reimbursed per month (for eChecking Account)
	CreditDonkey® Reviews
Savings
Minimum Deposit
Checking
Price
Mobile App
Customer Service
Ease of Use
Education
Money Market
Pros & Cons	Pros: App evolves with your child Flexible parental controls Game-like educational tools Cons: Accounts don't earn interest Can't cancel through the app	Pros: High savings APY No monthly fees Low opening deposits Cons: No check writing
Bottom Line	Good banking app with fun educational content... Read full review	Solid online bank with excellent rates and no monthly fees... Read full review
	Visit Site	Visit Site
	Acorns Early Kids' Debit Card Acorns Early Debit Card for Kids and Teens Acorns Early Debit Card for Kids 6-18	CIT Bank Platinum Savings CIT Bank Savings Connect CIT Bank Term CDs - Up to 3.50% APY
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Acorns Early: Pricing information from published website as of 11/30/2024. CIT Bank: Pricing information and data points from published website as of 05/09/2025.

Acorns Early Kids' Debit Card

• Real-time spend notifications.
• Block and unblock cards easily.
• Teach financial independence safely.

Acorns Early card is issued by Community Federal Savings Bank, member FDIC

Sign Up Now

Acorns Early Debit Card for Kids and Teens

• For kids ages 6-18
• Customize chores and allowance
• Set spending controls and limits
• $5/mo per child

Acorns Early card is issued by Community Federal Savings Bank, member FDIC

Sign Up Now

Acorns Early Debit Card for Kids 6-18

• Over 2 million members
• Customize chores and allowance
• Full parental controls - monitor transactions, set spending limits, block unsafe merchants
• Teach kids financial responsibility safely
• 30 days free; then $5/mo per child

Acorns Early card is issued by Community Federal Savings Bank, member FDIC

Sign Up Now

Member FDIC

CIT Bank Platinum Savings - $300 Bonus

Get Deal

• Transfer a one-time deposit of $50,000+ for a Bonus of $300
• 4.10% APY with a balance of $5,000 or more
• 0.25% APY with a balance of less than $5,000
• No monthly maintenance fee
• Member FDIC

Terms and Conditions

• There are is no period of time where the customer will be required to maintain the funds.
  
• Account must be open when bonus is credited
  
• Promotion is available per account and Primary customer
  
• Bonus will be credited into the Platinum Savings Account that fulfills the funding requirement
  
• Funding can be deposited in one-deposit or incrementally
  
• Promotion Period will be 3 months or until CIT's goals are met, whichever comes first

Member FDIC

CIT Bank Platinum Savings - $225 Bonus

Get Deal

• Transfer a one-time deposit of $25,000 - $49,999.99 for a Bonus of $225
• 4.10% APY with a balance of $5,000 or more
• 0.25% APY with a balance of less than $5,000
• No monthly maintenance fee
• Member FDIC

Terms and Conditions

• There are is no period of time where the customer will be required to maintain the funds.
  
• Account must be open when bonus is credited
  
• Promotion is available per account and Primary customer
  
• Bonus will be credited into the Platinum Savings Account that fulfills the funding requirement
  
• Funding can be deposited in one-deposit or incrementally
  
• Promotion Period will be 3 months or until CIT's goals are met, whichever comes first

Member FDIC

CIT Bank Platinum Savings - 4.10% APY

Learn More

• 4.10% 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

Which is Better: Acorns Early or CIT Bank?

In short: CIT Bank's savings and checking are notable. In particular, the savings is outstanding.

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Which Do You Think is Best?