CIT has empowered the financial growth of clients for over a century with a range of personal banking products, business loans, home loans and commercial financing options that help turn ideas into outcomes.

Cit Bank Personal Banking Business Loans & Commercial Financing
Cit Bank Personal Banking Business Loans & Commercial Financing

Turn your everyday savings into so much more

A CIT Bank savings account helps you get more from your savings with interest rates for maximum growth. See how we can help you reach your goals.

Boost your savings with Savings Connect

Get a competitive rate with a Savings Connect account and earn even more when you make a qualifying deposit in your linked eChecking account.

Up to 0.50% APY on your savings

Minimum opening deposit: $100

Benefits

  • FDIC insured
  • No account opening or maintenance fees
  • Daily compounding interest to maximize your earning potential

Open Savings Account

eChecking. Convenience and confidence at your fingertips

Online and mobile banking is easy and convenient with an eChecking account.

Open your eChecking account with as little as $100.

0.25% APY with $25,000 minimum balance0. 

10% APY on balances under $25,000 

CIT Bank does not charge ATM fees. Get up to $30 in other bank’s ATM fees reimbursed per month.

Debit card with EMV chip technology.

Transfer, pay and purchase via mobile with Zelle®, Bill Pay, Samsung Pay and Apple Pay. 

Deposit checks and make unlimited withdrawal and disbursements with the CIT Bank mobile app.

24/7 account access online and mobile, plus an automated telephone system.

Easily set travel alerts or stop/restrict use on your debit card.

Bank like you want with our eChecking account. Pay bills and people, plus access your cash from the comfort of your home through online and mobile banking. Earn interest with no monthly fees.

Mostly fee-free checking account

No monthly fees. Monthly ATM fee reimbursement up to $30 per statement cycle. Note that paper checks are not included or permitted as a means by which customers may remit funds or make payments.

Open Checking Account

Competitive CD rates and terms that work for your schedule

CIT Bank CDs provide a safe, secure way to grow your savings. Choose from a selection of CD rates and terms to help you stay on target for your savings goals.

Term CDs

Lock in an interest rate and forget about the drama of market volatility. No-Penalty,


11-Month CD

Enjoy the security of a CD while still having access to your funds.

Jumbo CDs

Enjoy the security of a CD while still having access to your funds.

RampUp CDs

Your money is safe and sound.

CIT Bank, N.A. is a member of the Federal Deposit Insurance Corporation (FDIC), which means your deposit accounts are insured up to $250,000 per depositor, for each account ownership category.

Open CD Account

Money Market 0.45%APY

High-yield rates. Flexible money access. 

Your hard-earned money deserves a hard-working bank. Reach your savings goals with a CIT Bank High-Yield Money Market account. $100 minimum opening deposit.

Open Money Market Account

Flexible Solution

Flexible Solution

Savings goals set? Make your mark and save for the future with our Savings Builder account. Up to 0.50% APY.

Short-term Solution

Short-term Solution

All work and no play? Start saving for that exotic vacation with our 13-Month CD. 0.35% APY.

Long-term Solution

Long-term Solution

Home sweet home. Start saving for that down payment today with our 18-Month CD. 0.30% APY. 

Bank with CIT

Cit Bank Personal Banking Business Loans & Commercial Financing

Find the right savings or eChecking product to help you reach your goals.

Competitive mortgage rates. One-on-one guidance.

Learn more about getting a mortgage, how to refinance or how to manage your current mortgage.

Home Loans – Purchase & Refinance

Looking to buy a home? We are prepared to help with a home financing option that’s right for you.

Relationship Benefits

Get $525 Cash Back deposited into your CIT Bank or OneWest Bank account after you close your new home loan with CIT Bank! Reduce your mortgage rate with one of the two relationship discounts, either by 0.10% with 10% of the loan amount in new deposits or by 0.20% with 25% of the loan amount in new deposits.undefined undefined

Lower monthly payments

CIT Bank offers:

  • Portfolio interest-only 5/1, 7/1, 10/1 loans
  • 30-year, fixed interest-only loans for well-qualified borrowers who want the lowest rate and payment options

Fixed rates

CIT offers 10-, 15-, 20-, 25- or 30-year loan term.

The lower your loan term, the quicker you’ll pay off your home loan and the more you will save on interest.

Get started

Cit Bank Personal Banking Business Loans & Commercial Financing

Your money is safe and sound.

CIT Bank, N.A. is a member of the Federal Deposit Insurance Corporation (FDIC), which means your deposit accounts are insured up to $250,000 per depositor, for each account ownership category.

Ready to get started?

Equipped to help you build your business.

With CIT, you, your business and your financial needs always come first.

Tech and Talent

Now in its second year, our survey with The Harris Poll shows small businesses are even more committed to technological investment and maintaining a tech-savvy workforce in light of the coronavirus pandemic. 

Partners

Want to introduce your business customers to CIT as a trusted lender and experience solutions like our award-winning point-of-sale financing platform?

Empowering entrepreneurs to
Launch + Grow

We’ve partnered with nonprofit Operation HOPE for the second year in a row to present Launch + Grow, a program to educate and inspire small business owners. Take part in the initiative to gain business advice from the experts.

Award-winning technology

CIT is proud to have earned several awards recognizing our small business digital lending technology as a top innovation in the financing industry. 

The Process

  1. Apply online.

It can take as little as 3 minutes.

2. Sign your documents electronically.

We’ll send your contracts in an online format..

3. Get your financing.

Ready to get started?

We know your business inside and out because that’s our business.

At CIT, we offer the resources and agility that your business needs, from Commercial Financing to Treasury Management and so much more.

Tech and Talent

Now in its second year, our survey with The Harris Poll shows middle-market executives are even more committed to technological investment and maintaining a tech-savvy workforce in light of the coronavirus pandemic. 

Financial Solutions

Our commercial products and services include commercial financing, real estate financing, equipment financing, factoring and railcar financing. Explore the benefits of working with CIT for your commercial needs.

Industries

CIT has over a century of experience providing businesses in a wide variety of industries with the financing and services they need to expand. See where our expertise lies.

Learn

Expand your knowledge with the latest commercial trends and data, and learn how we’ve helped commercial businesses with our customer testimonials and select transaction highlights.

Ready to get started?

Energize & Launch Now!