Current vs CIT Bank
Current is a simple, digital-only banking app with impressive bonus and cashback. How does it compare to CIT Bank? Read our comparison chart below.
Current offers mobile-only banking for adults and teens. It offers cashback rewards, interest on savings, faster direct deposit, and fee-free overdrafts. There are no monthly fees and no minimums.
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 Current with CIT Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
 |  | |
| Visit Site | Visit Site | |
Current | CIT Bank | |
|---|---|---|
Build Credit While You Bank - | CIT Bank Platinum Savings - | |
Benefits and Features | ||
| Savings | Up to 4.00% bonus on your Savings Pod, on up to a total of $6,000 | 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 | Earn up to 15x points on purchases at participating merchants | eChecking: 0.25% APY with $25,000+ balance and 0.10% APY on balances under $25,000 |
| Monthly Fee | ||
| Kids Debit Card |  | |
| Money Market | ||
| Minimum Deposit to Open | ||
| Mobile App | ||
| ATMs | Free access to 40,000+ Allpoint ATMs | No ATM fees from CIT Bank. Up to $30 in other banks' ATM fees reimbursed per month (for eChecking Account) |
| Customer Service | Mon - Fri: 9 am - 9 pm ET Sat: 10 am - 6 pm ET Sunday: Closed | |
| Locations | ||
CreditDonkey® Reviews | ||
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| Savings |   | |
| Minimum Deposit | | |
| Checking | |  |
| Price | | |
| Mobile App | | |
| Customer Service | | |
| Ease of Use | | |
| Education | | |
| Money Market | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Simple, digital-only banking app with impressive bonus and cashback... | Solid online bank with excellent rates and no monthly fees... |
| Visit Site | Visit Site | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Current: Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. CIT Bank: Pricing information and data points from published website as of 04/17/2025. | ||
Build Credit While You Bank
- Get Paid Up to 2 Days Faster
- Build credit and earn points with every swipe
- 40,000 fee-free Allpoint ATMs in the U.S.
- No credit check, minimum balance or hidden fees
Current Savings - Up to 4.00% bonus
- 4.00% bonus on up to $6,000 balance if you receive and maintain a qualifying direct deposit of $200 or more in a rolling 35 day period. (Otherwise, 0.25%)
- Simply add money to your Savings Pods and enable the Boost feature.
- Earn bonus on up to 3 Savings Pods, up to $2,000 balance each.
- Bonuses accumulate daily.
CIT Bank Platinum Savings - $300 Bonus
- 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
CIT Bank Platinum Savings - $225 Bonus
- 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
CIT Bank Platinum Savings - 4.10% APY
- 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: Current or CIT Bank?
Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Current or Bank of America.
In short: Current's mobile app is outstanding. CIT Bank's savings and customer service are notable. In particular, the savings is outstanding.
Articles on Current
Current Banking Review
Is Current a good fit for you? Discover its benefits and drawbacks, and see how it sizes up against apps like Chime in this review.
Articles on CIT Bank
CIT Bank 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 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
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.
Which Do You Think is Best?
Which Bank Account is Right for You?
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