Best Banks in America

Earn 3.65% APY* with CIT's Savings Connect Account

• $100 minimum balance for APY

• No account opening or monthly service fees

• Deposit checks online with the CIT Bank mobile app
• FDIC Insured

_{*Rate as of} 1/09/2026

_{*For complete list of account details and fees, see our Personal Account disclosures}

_{¹APY — Annual Percentage Yield is accurate as of July 1, 2026. Interest Rates for the Savings Connect Account are variable and may change at any time without notice. The minimum to open a Savings Connect account is $100. Fees could reduce earnings on the account.
²Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of February 17, 2026.}

• Cash Bonus up to $400 with direct deposit set up (Terms apply)
• No monthly fees 
• Up to 2-day-early paycheck
• Access additional FDIC insurance up to $3M on deposits

_{*Rate as of 9/23/2026.}

_{* Interest rates are subject to change at any time. Terms and conditions may apply.}

Get Paid Up To 2 Days Early with Direct Deposit Set Up

• No minimum balance fees
• 47k+ Fee-free ATMs³ at Walgreens®, 7-Eleven®, CVS® & more¹
• No foreign transaction fees
• 24/7 live support

^1. Out-of-network ATM withdrawal and over-the-counter advance fees may apply except at FCTI® ATMs in a 7-Eleven® or Speedway, or any Allpoint® or Visa® Plus Alliance ATM participating in the Allpoint network.

^2. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.