CIT Bank is now a division of First Citizens Bank. Learn more.
Checking accounts designed with you in mind
You deserve a checking account that makes your life easier, so we offer options designed with features to meet your needs.
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Advantage Checking
advantage-checking-1333Get ahead with an interest-earning checking account
If you’re not earning interest on your checking account now, you’re missing out. Open one today with just $100.
Benefits and features:
- Free national network of ATMs
- ATM/debit cards1
- Unlimited check writing
- Earn interest with $100 daily collected balance
- Interest compounded daily and paid monthly
- Check images available with paper statement for a fee
- $4 off safe deposit box rentals with auto-pay from your account
- Minimum opening deposit of $100
- No monthly fee with an average collected balance of $100, otherwise $10
Current Rates
Amount Interest Rate Annual Percentage Yield $100 - 2,499.99 0.05% 0.05% $2,500 - 4,999.99 0.05% 0.05% $5,000 - 9,999.99 0.05% 0.05% $10,000 - 24,999.99 0.05% 0.05% $25,000 - 99,999.99 0.05% 0.05% $100,000 and above 0.05% 0.05% Rates effective as of 01/24/2022
Fees may reduce earnings on the account.
Account available at your nearest branch in AZ, CA, CO, FL, KS, NE, NV, TX.
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Basic Checking
basic-checking-221A checking account designed for you
Life can be complicated. Your checking account shouldn't be. Discover checking made simple and affordable.
Benefits and features:
- Free network of ATMs
- ATM/debit cards1
- Direct deposit required
- No balance requirements
- Minimum opening deposit of $100
- No monthly maintenance fee
Account available at your nearest branch in AZ, CA, CO, FL, KS, NE, NV, TX.
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Classic Checking
classic-checking-1132Explore our flexible account options
Want flexibility from direct deposit requirements with lots of benefits and features? Our Classic Checking Account is for you.
Benefits and features:
- Free online banking
- Free bill pay
- Free eStatements
- Free first order of preselected checks
- Free network of ATMs
- ATM/debit cards1
- Overdraft protection available2
- No direct deposit requirement
- Minimum opening deposit of $300
- No monthly fee with an average collected balance of $300, otherwise $7
Account available at your nearest branch in AZ, CA, CO, FL, KS, NE, NV, TX.
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Investment Checking
investment-checking-1133Earn more with an account that rewards you for your business
When you have higher balances, you deserve an interest checking account that rewards you for your business.
When you have higher balances to keep in your checking account, you deserve an interest checking account that rewards you for your business. We will waive your monthly maintenance fee when you keep a daily collected balance of $10,000, plus reward you with free online banking, free bill pay, free money orders and cashiers checks and more.
Benefits and features:
- Free money orders and cashier checks
- Free national network of ATMs
- ATM/debit cards1
- Earn interest with $1,000 daily collected balance
- Unlimited check writing
- Interest compounded daily and paid monthly
- $30 off safe deposit box rentals with auto-pay
- Interest rate discount available on loans2
- Minimum opening deposit of $1,000
- No monthly fee with an average collected balance of $10,000, otherwise $15
Current Rates
Amount Interest Rate Annual Percentage Yield $1,000 - 9,999.99 0.05% 0.05% $10,000 - 24,999.99 0.05% 0.05% $25,000 - 49,999.99 0.05% 0.05% $50,000 - 999,999.99 0.1% 0.1% $1,000,000 and above 0.1% 0.1% Rates effective as of 01/24/2022
Fees may reduce earnings on the account.
Account available at your nearest branch in AZ, CA, CO, FL, HI, KS, NE, NV, TX.
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Platinum Checking
platinum-checking-224Accounts designed with your benefit in mind
You'll earn interest on your money, get free checks and enjoy access to free online banking and more.
Features and benefits:
- Earn interest with $100 daily collected balance
- ATM/debit card1
- Interest compounded daily and paid monthly
- Minimum opening deposit of $100
- No monthly fee with an average collected balance of $100, otherwise $10
- Free bank-selected checks
- Unlimited check writing
- Check images available
- Free money orders and cashier checks
- $15 off safe deposit box rentals with auto-pay
Current Rates
Amount Interest Rate Annual Percentage Yield $100 - 2,499.99 0.05% 0.05% $2,500 - 4,999.99 0.05% 0.05% $5,000 - 9,999.99 0.05% 0.05% $10,000 - 24,999.99 0.05% 0.05% $25,000 - 99,999.99 0.05% 0.05% $100,000 and above 0.05% 0.05% Rates effective as of 01/24/2022
Fees may reduce earnings on the account.
Account available at your nearest branch in AZ, CA, CO, FL, KS, NE, NV, TX.
Click Here to view our Account Service Fees.
1 Non-Network ATM transaction fees and third party surcharges apply. See fee schedule.
2Additional fees may apply. Subject to credit approval. Ask a banker for details.