Save money and be informed. CreditDonkey is a bank comparison and reviews website. This website is made possible through financial relationships with some of the products and services mentioned on this site. Advertiser Disclosure†

First Citizens Bank vs CIT Bank

First Citizens Bank is a full-service bank with waivable fees and low APYs. How does it compare to CIT Bank? Read our comparison chart below.

First Citizens Bank is a full-service bank with over 500 branches in 23 states. It offers a basic Free Checking account with just $50 deposit. Plus, it has premium checking options, savings, loans, credit cards, and business accounts.

While CIT Bank is an online division of First Citizens Bank. It's known for high interest rates on its savings accounts and CDs. All accounts have no monthly service fees.

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

 
Member FDIC
CIT Bank
Member FDIC
 Learn MoreVisit Site
 

First Citizens Bank

CIT Bank

SPECIAL OFFER
Online Savings - Learn More

Read First Citizens Bank Review

SPECIAL OFFER
CIT Bank Platinum Savings - 4.10% APY Boost - Learn More

Read CIT Bank Review

 

Benefits and Features

Savings Platinum Savings: 3.75% APY with a balance of $5,000 or more
Savings Connect: 3.65% APY
Savings Builder up to 1.00% APY with $25,000+ balance or $100 monthly deposit
CD Term CDs up to 4.00% APY. $1,000 minimum opening deposit.
Money Market 
1.55% APY
Mobile App 
iOS & Android
Customer ServiceMonday to Friday: 8:00AM - 9:00PM (ET)
Saturday and Sunday: 8:00AM - 8:00 PM (ET)		Mon - Fri: 9 am - 9 pm ET
Sat: 10 am - 6 pm ET
Sunday: Closed
Locations
over 500 branches in 23 states
Online Only
 

CreditDonkey® Reviews

 CIT Bank
SavingsStarEmpty StarEmpty StarEmpty StarEmpty Star
CheckingStarStarStarEmpty StarEmpty Star
Mobile AppStarStarStarStarHalf Star
Customer ServiceStarStarStarEmpty StarEmpty Star
Pros & ConsPros:
  • Low opening deposit on some accounts
  • Monthly fees can be waived
  • Overdraft protection available
Cons:
  • Low APYs
  • Only available in 23 states
Bottom LineFull-service bank with waivable fees and low APYs... Read full review Read full review
 Learn MoreVisit Site

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

First Citizens Bank: Pricing information from published website as of 07/11/2026.

CIT Bank: For complete list of account details and fees, see our Personal Account disclosures.

CIT Bank
Member FDIC

CIT Bank Platinum Savings - 4.10% APY Boost

Learn More
Expires 8/31/2026
With 6 month boost, you earn:
Tier Boost APY
Balance over $5,000 4.10%*
Balance less than $5,000 0.60%*

After boost is completed, you will continue to earn our best standard rates:

Tier APY
Balance over $5,000 3.75%1
Balance less than $5,000 0.25%1

  • Needs to use promo code to qualify: CITBoost
  • Boost lasts 6 months over standard APY
  • Tiered account
  • $100 minimum account opening
  • Member FDIC
  • No Monthly Service fees
  • No account opening fees
Disclosures
CIT Bank
Member FDIC

CIT Bank Savings Connect - 3.65% APY

Learn More
  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC
Disclosures
CIT Bank
Member FDIC

CIT Bank No Penalty CD - 3.90% APY

Get Deal
  • Option to withdraw full balance and interest after 7 days of CD funding date
  • $1,000 minimum to open an account
  • 11 months
  • No monthly maintenance fee
  • Member FDIC
Disclosures

Which is Better: First Citizens Bank 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 First Citizens Bank or Bank of America.

Articles on First Citizens Bank

First Citizens Bank Review

First Citizens Bank offers many account options with low opening deposits and fees. But there are downsides. Find out if First Citizens is a good bank for you.

First Citizens Bank Problems

First Citizens Bank provides affordable banking with fee-free checking and savings options. However, they may not be available for you.

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 Savings Connect vs Platinum Savings

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

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.

Which Do You Think is Best?

Which Bank Account is Right for You?

You Might Also Like

Best National Bank

Best National Bank

There are over 5,000 FDIC-insured banks in America. How do you choose a good national bank to keep your money safe?
Next Page:

About CreditDonkey
CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*Terms and conditions apply. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. Please review the merchant's website for terms and conditions.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

About Us | Reviews | Deals | Tips | Privacy | Do Not Sell My Info | Terms | Contact Us
© 2026 CreditDonkey Inc. All Rights Reserved.