CIT Bank Bonuses: 0.45% APY Money Market, Up to 0.50% APY Savings Connect, 0.40% APY Savings Builder, Up to 0.50% APY CD

• Maintain at least a $25,000 balance OR make at least a $100 each month to earn the highest rate.
• The higher interest rate can be earned by completing one of following requirements:
  1. Monthly Savers:
     • Make at least one single deposit of $100 or more during the first Evaluation Period which begins on the third business day prior to the end of the month the account was opened.
     • Additional deposits made between the account opening date and the beginning of the first Evaluation Period will not qualify.
     • In order to continue to earn the higher rate, make at least one single deposit of $100 every month.
  2. High Balance Savers:
     • Have an account balance of $25,000 or more on each Evaluation Day. The Evaluation day is the fourth business day prior to the end of the month.

• Make the most of your money. Online savings banks offer much higher rates than everyday banks. Open an account with $25,000 or more and earn a top tier, competitive APY on your money—one of the top savings rates in the nation.
• Build a habit of savings. If you don’t have $25,000 in your account, you can still earn the higher APY Tier by making a monthly $100 or more deposit. Pay yourself first. Start with $100 per month and build your habit of savings-—all while getting a top rate.
• Emergencies and unexpected events. Whether it’s for a job loss, pet expense, car or home repair, or medical issue, it’s most often the #1 reason people save.
• New or next home. Grow your savings faster than at your everyday bank for your first—or next dream home.

• There are no monthly fees with this account.

• On each Evaluation Day the interest rate applicable for the next Evaluation Period will be determined.
• Accounts with an end-of-day balance of at least $25,000 on the Evaluation Day or with at least one deposit of $100 or more that posts to the account during the Evaluation Period will earn the Upper Tier interest rate during the next Evaluation Period.
• Accounts with an end-of-day balance less than $25,000 on an Evaluation Day without a deposit of $100 or more that posts to the account during the Evaluation Period will earn the Base Tier interest rate for the next Evaluation Period.
• This process will occur every month.
• Customer must maintain the required minimum balance for 30 calendar days (the “Review Period”) after the end of the Funding Period.
• Bonus will be credited to the account 1-5 business days after the end of the Funding Period.
• A hold will be placed on the bonus amount during the applicable Review Period plus 7 calendar days.
• Bonus payments are reported as interest earned on IRS form 1099-INT for the calendar year in which it was paid.
• Recipient is responsible for any applicable taxes.

• Open a CIT Bank Money Market account online with $100 opening deposit
• Input your info – Provide your name, address, phone, email and social security number or Tax ID.
• Fund the account – Fund your account with $100 minimum initial deposit

• Type of an account eligible for People Pay – You will need the have a Money Market account to use the People Pay service
• Set up recurring payments – You may schedule payments for specific amounts and frequencies, including: weekly, biweekly, monthly, bimonthly, quarterly, semi-annually or annually
• People Pay Usage outside of U.S – You may pay bills from outside the U.S. if you are using a compatible browser. Payments may only be made in U.S. currency to payees within the United States
• For a joint membership in People Pay – Both account holders must be signers on a Money Market account. Each account holder needs a unique username and password to access People Pay. People Pay activity for both account holders can be viewed under Account Services in Online Banking
• People Pay work through Pay Pal – You must enroll in the Pay Pal service. There may be a fee charged by Pay Pal for their People Pay service. The CIT Bank People Pay service is offered free of charge
• Non-sufficient or unavailable funds – If you accidentally schedule a payment and have unavailable funds,
  your account will be charged a non-sufficient or unavailable funds fee of $30. Additional scheduled payments will be suspended until the matter is resolved with People Pay. For more information, please call the Contact Center at 855-462-2652
• Customer Support – For People Pay inquiries, please call the Contact Center at 855-462-2652 or send them a Secure Message via Online Banking

• There are no monthly fees with this account.

• Interest Rates for the Money Market Account are variable and may change at any time without prior notice.
• Fees will reduce earnings.

• 1. Simply open a Savings Connect account with a linked eChecking account.
  • The minimum opening deposit for each account is $100.
• 2. Make a monthly $200 electronic payment into your eChecking account.
• 3. Earn up to 0.50% APY.

• Earn More: Earn 10x the national average with a Savings Connect account.
• Competitive Rate. Get a competitive rate on your Savings Connect account by opening a linked eChecking account and making the automated monthly deposit of $200 or more.
• Easy Access. Access your accounts 24/7 online and on the mobile app or through any U.S. ATM with your eChecking debit card.
• ATM Reimbursement. CIT Bank doesn’t charge ATM fees and reimburses up to $30 in other U.S. bank’s ATM fees on eChecking accounts.
• Easy Deposits. Deposit checks remotely and make transfers easily with the CIT Bank mobile app.
• Easy access to your eChecking account through Zelle®Scroll to disclosure:3, Bill Pay and your CIT Debit card.
• No monthly service fees.
• FDIC insured.

• There are no monthly fees.

• Savings Connect is a tiered interest rate account that offers a higher interest rate to customers with a linked Qualifying eChecking account to which periodic Qualifying Deposits are made.
• Interest rates and Annual Percentage Yields (APYs) are variable and may change without notice.
• The minimum to open a Savings Connect account is $100.
• Fees could reduce earnings on the accounts.
• The Qualifying eChecking account must be opened concurrently with the Savings Connect account and the ownership of both accounts must be identical.
• The minimum to open an eChecking account is $100.
• Both accounts must be funded within 30 days of account opening.

• Go onto the CIT Bank No Penalty CD promotion page.
• Open a CIT Bank No-Penalty CD and fund your account.
• To earn the APY Rate, select  the 11th month term.

• No penalty to access funds if needed before maturity
• No opening or maintenance fees
• Daily compounding interest to maximize your earning potential
• FDIC insured
• No monthly fees with this account

• Interest Rates for the Money Market Account are variable and may change at any time without prior notice.
• Fees will reduce earnings.

You will need the standard information, including your SSN, drivers license, the account information of the bank you wish to link to your CIT account, and similar information. The minimum deposit for CDs is $1,000 for the no penalty CD.

1. Select the CD term on CIT Bank’s website of your choice.
2. Complete your application.
3. Review and accept the terms and conditions.
4. Set up a few security questions.
5. Fund the new account (You can transfer money into CIT through an ACH transfer)

• No penalty to access funds if needed before maturity
• No opening or maintenance fees
• Daily compounding interest to maximize your earning potential
• FDIC insured
• No monthly fees with this account

• No account opening or maintenance fees
• Daily compounding interest to maximize your earning potential
• The exceptions to this are the 13-Month CD and the 18-Month CDs:
  • Upon maturity, the 18-Month CD will be automatically renewed as a 2-Year Term CD at the then-published APY
  • Upon maturity, the 13-Month CD will be automatically renewed as a 1-Year Term CD at the then-published APY
• FDIC insured