CIT Bank Promo Codes — 35% Off

The current promotion adds a 0.35% APY boost to the standard Platinum Savings rate for six full months. During the boost period, you earn 4.10% APY on balances of $5,000 or more, and 0.60% APY on balances under $5,000. The minimum opening deposit is $100.

Yes — existing customers can enroll through the promotion page. Here's how it works depending on your situation:

• If you don't yet have a Platinum Savings account: Open a new one via the promotion enrollment page and confirm the promo code is displayed during the process.
• If you already have a Platinum Savings account: Simply visit the promotion page and confirm the promo code is entered — no new account needed.

One boost per primary customer applies across all accounts.

After the boost period, your account reverts to CIT Bank's standard rates — currently 3.75% APY on balances of $5,000 or more, and 0.25% APY on balances under $5,000. No action is required; the transition happens automatically.

The minimum opening deposit is $100. However, you need a balance of $5,000 or more to access the top APY tier — both the standard rate and the boosted promotional rate. Balances under $5,000 earn a lower tier rate.

No. CIT Bank charges no monthly service fees on its Platinum Savings, Savings Connect, Savings Builder, Money Market, or eChecking accounts. There are also no account opening fees on any of these products.

New Savings Builder accounts automatically earn the top APY tier through the first full Evaluation Period. After that, maintain the top rate by depositing at least $100 per Evaluation Period or keeping a balance of $25,000 or more. The initial $100 opening deposit does not count toward the higher-rate threshold.

SmartSaver is a free suite of savings tools built into CIT Bank savings accounts. It includes four features to help you automate and organize your money:

• Savings Boost: An algorithm analyzes your linked checking account and automatically transfers small amounts — up to $50 per transaction, up to three times a week — into savings.
• Recurring Transfers: You choose the amount and frequency; CIT Bank moves the money automatically. Pause or adjust anytime.
• Direct Deposit: Route all or part of your paycheck straight to savings. CIT Bank handles the employer paperwork.
• Savings Buckets: Organize your balance into named categories, each with its own target amount and date, so you can save for multiple goals within one account.

All four features are available at no extra cost.

No. CIT Bank charges no overdraft fees on its eChecking account. The account also carries no monthly maintenance fee and reimburses up to $30 per monthly statement period in ATM fees charged by other banks.

Yes. The No-Penalty 11-Month CD allows full early withdrawal of principal and interest — with no penalty — any time on or after the 7th day following funding. A 10-calendar-day grace period applies at maturity. The minimum deposit is $1,000.

Yes. CIT Bank is a division of First Citizens Bank & Trust Company, an FDIC member. Deposits are insured up to $250,000 per depositor per account ownership category. Note that deposits across all First Citizens Bank divisions count toward the same $250,000 limit, not separately.