CIT Bank Bonus Offers and Promotions for 2025
Written by
Rudri Patel
Edited by
Melanie Grafil
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CIT Bank is a division of First Citizens Bank. It offers online checking and savings accounts along with various other deposit and loan products. Like many banks, CIT occasionally offers promotions for certain accounts. Read on to find out what bonus offers are available this month.
CIT Bank Bonus Offers: October 2025
| Account Type | Bonus Value | Offer Expiration |
|---|---|---|
| Platinum Savings | Up to $300 | Dec. 21, 2025 |
You can receive up to $300 when you open a Platinum Savings account with CIT Bank. Here are the details:
- Bonus value: Up to $300
- Minimum deposit: $100
- Expiration date: Dec. 21, 2025
- How to claim: Open a new Platinum Savings account, with a minimum deposit $100 into the account. You must use the promo code PS2025.
- When you’ll get it: After meeting all requirements, your account is credited within 60 days of meeting all requirements and up to 90 days after you’ve opened the account.
- Terms and conditions: You must have a minimum balance of the following to earn the maximum bonus amount:
- $25,000: $225 bonus
- $50,000 bonus: $300 bonus
- Fees: $0
Check out the promotion here.
CIT Bank is offering high rates for savings products like high-yield savings, money market accounts and CDs.Â
CIT Bank High-Yield Savings Account: Earn up to APY
You can earn a competitive APY with a CIT Bank Platinum Savings account if you have a balance over $5,000.Â
- Minimum deposit to open account: $100
- Minimum deposit to qualify for highest APY: $5,000
- Expiration date: None stated
- How to claim: Open a savings account with a minimum deposit of $100, and fund the account with $5,000 or more.
- When you’ll get it: You will earn a APY right away on balances of $5,000 or more. Balances below $5,000 earn APY.
- Terms and conditions: APYs may change at any time. To receive the top rate, your savings account balance must be over $5,000.
- Monthly fee: No monthly fee
CIT Bank Money Market Account: Earn APYÂ
The CIT Money Market account pays a APY. This rate is two times higher than the national average. Be aware that money market APYs can change at any time.Â
- Minimum deposit to open account: $100
- Minimum deposit to qualify for APY: $100
- Expiration date: None stated
- How to claim: Open a money market account with a minimum deposit of $100, and fund the account.
- When you’ll get it: You will earn APY with a minimum deposit of $100.Â
- Terms and conditions: APYs may change at any time.Â
- Monthly fee: No monthly fee
CIT Bank Certificates of Deposit: Earn up to APY
CIT Bank offers several certificates of deposit (CDs). The range of terms are between six months and five years. The minimum deposit is $1,000.
- Minimum deposit to qualify: $1,000
- Expiration date: APY subject to change
- How to claim: To get the highest rate, open a 13-month CD and fund the account with $1,000 from an existing CIT bank account or an external account.Â
- When you’ll get it: Interest starts accruing daily.
- Terms and conditions: Must fund the CD with a minimum deposit of $1,000 and not withdraw early from the CD.
- Monthly fee: NoneÂ
Tips for Maximizing Your CIT Bank Offers and Promotions
There are a few things you can do to get the most from your CIT Bank bonuses in the future:Â
- Look at what CIT Bank offers at the end of each quarter or during the holiday season.Â
- Maintain minimum balances to keep the bonus.
- Don’t close your account too early or you likely won’t get to keep your bonus.
- Set up eligible direct deposits so you fund the account properly.
Is CIT Bank Best for You?
Whether or not CIT Bank is a good choice for you depends on your financial needs. CIT Bank is not a full-service bank, so if you prefer branch banking, it’s probably not a good choice. The bank also has a limited number of products. Outside of checking, savings, money market and CD accounts, its only other products are loans. On the plus side, CIT Bank accounts don’t charge monthly service fees and pay higher-than-average rates.Â
CIT Bank Bonus Offers: FAQ
Here are answers to some of the most common questions about CIT Bank bonus eligibility, payout timelines and how to make sure you don’t miss out.- How long does it take to receive a new account bonus?
- In the past, CIT has given out bonuses within 60 days of meeting the last qualifying requirement.
- Can existing customers qualify for these promotions?
- The expired CIT bonus was only available for new customers.
- What happens if I close my account early?
- If you close your account too early, you may miss out on your bonus. Make sure you read the fine print and see if there is a required amount of time you need to keep your account open.
- Are there any taxes on bank bonuses?
- Bank bonuses are considered taxable income. CIT will issue a 1099-INT if interest is over $10.
More About CIT Bank
Melanie Grafil and Cynthia Measom contributed to the reporting for this article.
Data is accurate as of Oct. 17, 2025, and is subject to change.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
