CIT Bank vs Chase

CIT Bank is a solid online bank with excellent rates and no monthly fees. How does it compare to Chase? 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 Chase is one of the biggest banks in the nation with more than 4,700 branches and over 15,000 ATMs. They offer a variety of banking, loans and investing services.

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

	Member FDIC	Member FDIC
	Visit Site	Visit Site
	CIT Bank	Chase
	SPECIAL OFFER CIT Bank Platinum Savings - Learn More Read CIT Bank Review	SPECIAL OFFER Chase Bank $300 Bonus - Learn More Read Chase Review
	Benefits and Features
Savings	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	Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 18. $0 to open. Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CD	Term CDs up to 3.50% APY. $1,000 minimum opening deposit.	Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking	eChecking: 0.25% APY with $25,000+ balance and 0.10% APY on balances under $25,000	Chase Total Checking® Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open. Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open. Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open. Chase Private Client Checking℠: For high net worth individuals who have $150,000 on deposit with Chase.
Money Market	1.55% APY
Mobile App	iOS & Android	iOS & Android
ATMs	No ATM fees from CIT Bank. Up to $30 in other banks' ATM fees reimbursed per month (for eChecking Account)	15,000+ Chase ATMs
Customer Service	Mon - Fri: 9 am - 9 pm ET Sat: 10 am - 6 pm ET Sunday: Closed	Automated service available 24/7
Locations	Online Only	Over 4,700
	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: More than 4,700 branches New customer coupons Full service banking Cons: Low savings rates Not in all states
Bottom Line	Solid online bank with excellent rates and no monthly fees... Read full review	National bank with good promotions for new customers... Read full review
	Visit Site	Visit Site
	CIT Bank Platinum Savings CIT Bank Savings Connect CIT Bank Term CDs - Up to 3.50% APY	Chase Bank $300 Bonus Chase Bank $100 Bonus Chase Business Up to $500 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: Pricing information and data points from published website as of 03/20/2025. Chase: Pricing information and data points from published website as of 03/17/2025.

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

Member FDIC

Chase Total Checking® - $300 Bonus

Open an Account

Expires 4/16/2025

• New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking^® account with qualifying activities
• With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
• Chase Mobile^® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
• JPMorgan Chase Bank, N.A. Member FDIC
• Open your account online now
• Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
• Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*

Member FDIC

Chase Secure Banking℠ - $100 Bonus

Get $100 Coupon

Expires 4/16/2025

• New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
• Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
• No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
• No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
• Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
• Pay bills, cash checks and send or receive money with Zelle^® with a Chase Secure Banking℠ account.
• Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile^® app and Chase.com.
• JPMorgan Chase Bank, N.A. Member FDIC.

Member FDIC

Chase Business Complete Banking® - Up to $500 Bonus

Get Coupon

Expires 4/17/2025

• Earn up to $500 when you open a new Chase Business Complete Checking^® account. For new Chase business checking customers with qualifying activities.
• Multiple ways to waive the $15 Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink^® Business credit card.
• Full-service business banking. Convenient access to all your business banking services in one place -- lending, checking, credit card and payment solutions.
• Your choice of payment types. Choose from a full range of options for accepting payments and making deposits that include Zelle^®, Online Bill Pay, wire transfers and ACH payments.
• Convenient access to payment processing. Process all major debit and credit cards with QuickAccept^®. It's a built-in feature with your Business Complete Checking account.
• Get support you can rely on. Get access to our customer support team, plus a wide array of solutions that carter to every stage of your business
• Full-featured banking online and on-the-go. Manage your business' finances on your terms with the latest online and mobile banking technology.
• Associate Debit and Employee Deposit Cards available upon request

Which is Better: CIT Bank or Chase?

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. Chase's mobile app is impressive.

Articles on CIT Bank

CIT Bank Money Market 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 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

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 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.

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.

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Chase Business Complete Banking offers up to a $500 bonus for new customers with qualifying activities. Find out how to get this limited business checking promotion.

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Which Do You Think is Best?

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