Banking

Popular banking options

Whether you want to start saving money, manage your day-to-day spending, earn more interest, or minimize account fees, we can help you find and compare some of the best accounts out there. Explore banking products and banking alternatives to help you manage your finances and save money.

Checking Accounts

SoFi | Checking and Savings

Better banking is here with 1.25% APY and no account fees.

Welcome Offer: Earn up to $300 with direct deposit. Terms apply.

  • Set up direct deposit and earn 1.25% annual percentage yield (APY)
  • No overdraft fees, no minimum balance fees, no monthly fees 
  • Plus, 55,000+ fee-free ATMs within the Allpoint® Network
  • Feel the magic of payday up to two days earlier—automatically—when you set up direct deposit
  • Get up to 15% cash back at local establishments when you pay with your SoFi debit card
  • Organize your money, set savings goals, and save your change with Vaults and Roundups

Quontic | High Interest Checking

Amplify your income with a high interest checking account.

  • Earn up to 1.10% APY
  • No monthly or overdraft fees
  • Access to 90,000+ ATMs across the nation; surcharge free at any participating AllPoint® Network ATMs, MoneyPass® Network ATMs, SUM® program ATMs, or Citibank® ATMs located in Target, Speedway, Walgreens, CVS, Kroger, Safeway, Winn Dixie, and Circle K
  • FDIC insured with advanced security monitoring
  • Fully mobile & online banking, with convenient features like remote check deposit, bill pay, account transfers, and receipt tracking
  • Minimum opening deposit of $100

Nationwide | Advantage Checking

Say hello to zero monthly maintenance fees, zero minimum balance requirements and interest compounded daily.

  • Earn up to 0.90% APY
  • No monthly, overdraft, or non-sufficient funds fees
  • No minimum balance requirements
  • Access to 80,000+ ATMs nationwide
  • Deposits are FDIC insured
  • Convenient digital banking features like free mobile deposit, online bill pay, and mobile banking
  • Minimum $50 required to open an account

Acorns | Checking

All-in-one checking, investment, and retirement, plus a metal debit card, bonus investments, money advice, and more.

  • Invest spare change while you swipe with Real-Time Rounds-Ups
  • Get paid up to 2 days early when you set up your direct deposit
  • Automatically invest a piece of every paycheck with Smart Deposit
  • 55,000+ fee-free ATMs plus no low balance or overdraft fees, and up to 10% bonus investments
  • All digital banking: direct deposit, mobile check deposit and sending, and more
  • FDIC-insured, plus fraud protection and all-digital card lock
  • Starting from $3 per month

Stash | Banking Account

From budgeting to saving for retirement, Stash unites banking, investing, and advice all in one app.

  • Use the Stock-Back® Card (or add it to your digital wallet) and earn stock in brands you love – on us1
  • Bank with no overdraft, minimum balance, or hidden fees2
  • Access your funds up to 2 days early with direct deposit3
  • Build your wealth with tools like round-ups (spare change from your purchases) and auto-invest
  • Track your spending with our financial guidance tools
  • Stash Banking account features include mobile check deposit, debit card lock and unlock4, virtual card, real-time transaction alerts, automatic bill pay and checking mailing, recurring transfers5, and more
  • Receive a $5 bonus when you sign up for Stash and deposit $5 or more into your Personal Portfolio

Current | Premium Account

Welcome to the future of mobile banking.

  • Get your direct deposit up to 2 days faster¹
  • Fee-free overdraft up to $200* with Overdrive
  • 40,000 fee-free Allpoint ATMs in the U.S.²
  • Earn up to 15x points towards cash back when you swipe your card at participating merchants
  • Safe & secure with instant transaction alerts
  • No minimum balance required to open or maintain an account; no hidden fees²
  • Current is a financial technology company, not a bank. Banking services provided by and Visa® Debit Card issued by Choice Financial Group, Member FDIC

Chime | Checking Account

Better banking for everyone. Chime is one of the best ways to manage, save, and spend your money.
  • No monthly fees, no service fees, no foreign transaction fees, and no minimum balance requirements
  • Get paid up to two days early1 when you set up direct deposit to your Chime account
  • Get fee-free overdraft up to $2002 with SpotMe® by Chime – we will allow you to overdraw up to $200 on debit card purchases and cash withdrawals without charging a fee
  • Over 60,000+ fee-free3 in-network ATMs
  • Chime’s mobile app makes branchless banking a breeze

Banking Disclosures

CIT Bank | eChecking

Online and mobile banking is easy and convenient with an eChecking account.

  • No monthly fees, overdraft fees, or ATM fees; get up to $30 in other bank’s ATM fees reimbursed per month
  • Transfer, pay, and purchase via mobile with Zelle, Bill Pay, Samsung Pay and Apple Pay
  • Deposit checks and make unlimited withdrawal and disbursements with the CIT Bank mobile app
  • Debit card with EMV chip technology
  • Easily set travel alerts or stop/restrict use on your debit card
  • Minimum opening deposit of $100

Savings Accounts

CIT Bank | Savings Connect

Get a competitive rate with a Savings Connect account and the benefits of easy access to your funds with your linked eChecking account.

  • Earn 1.90% Annual Percentage Yield (APY)1
  • Earn over 19x the national average with a Savings Connect account2
  • Digital convenience with online banking and the mobile app
  • We don’t charge ATM fees, and you get up to $30 in other U.S. bank’s ATM fees reimbursed per month on your eChecking account
  • Earn interest on your eChecking funds
  • Deposit checks remotely and make transfers easily with the CIT Bank mobile app
  • Easy account opening
  • FDIC-insured3
  • No monthly service fees
  • $100 minimum opening deposit

Quontic | High Yield Savings

Sit back, relax and watch your money grow.

  • Earn 1.85% Annual Percentage Yield (APY)
  • No monthly service fees
  • Accrue an APY that’s 23x higher than the national average; your interest is compounded daily and credited to your account every month
  • Access and monitor your money 24/7/365 online or via our mobile app
  • FDIC insured with advanced security monitoring
  • Limit of 6 withdrawals per statement cycle
  • Minimum opening deposit of $100

SoFi | Checking and Savings

Better banking is here with 1.25% APY and no account fees.

Welcome Offer: Earn up to $300 with direct deposit. Terms apply.

  • Set up direct deposit and earn 1.25% annual percentage yield (APY).
  • No overdraft fees. No minimum balance fees. No monthly fees. Plus, 55,000+ fee-free ATMs within the Allpoint® Network.
  • Feel the magic of payday up to two days earlier—automatically—when you set up direct deposit.
  • Get up to 15% cash back at local establishments when you pay with your SoFi debit card.
  • Organize your money, set savings goals, and save your change with Vaults and Roundups.

Chime | High Yield Savings Account

Make your money grow faster with an optional High Yield Chime Savings Account. *You will need a Chime Checking Account to be eligible for our savings account.
  • Get 1.00% Annual Percentage Yield (APY)1 on your Savings Account – which is 12x2 the national average
  • No minimum balance requirements, no maximum on interest earned, and no monthly or service fees
  • Grow your savings automatically with Round Ups3 to save the change on every purchase or activate Save When I Get Paid to save a percentage of every paycheck
  • Secured and FDIC insured

CIT Bank | Savings Builder

Your hard-earned money deserves a hard-working bank2. Save more and earn more with the Savings Builder.

  • Earn up to 0.80% Annual Percentage Yield (APY)† – 8x the national average1
  • Get 0.797% interest rate from the day the account is opened through the first Evaluation Day
  • Continue earning up to 0.65% APY by maintaining a balance of $25,000 or more OR making at least one monthly deposit of $100 or more
  • No account opening or maintenance fees
  • Daily compounding interest to maximize your earning potential
  • A limit of six transactions per statement cycle
  • Deposit checks remotely and make transfers with the CIT Bank mobile app
  • Minimum opening deposit of $100

UFB Direct | High Yield Savings

Earn up to 0.20% Annual Percentage Yield (APY) with a UFB Direct High Yield Savings account.

  • Earn up to 0.20% APY on balances of $10,000 and greater
  • No monthly maintenance fees
  • No minimum deposit required to open an account
  • Access your funds 24/7 with easy-to-use digital banking tools
  • Enjoy peace of mind with FDIC insurance up to the maximum allowance limit

Money Market Accounts

Quontic | Money Market

Let our highest yield savings account do all of the work.

  • Earn up to 1.85% Annual Percentage Yield (APY) with a Quontic Money Market account 
  • Limit of 6 withdrawals per statement cycle
  • No monthly maintenance or overdraft fees
  • $100 minimum deposit required to open an account

CIT Bank | Money Market

Your hard-earned money deserves a hard-working bank. Reach your savings goals with a CIT Bank High-Yield Money Market account.

  • Earn 1.30% Annual Percentage Yield (APY)3
  • Earn over 10x the national average1
  • Quick and easy access to funds
  • No monthly service fees
  • 24/7 secure & award-winning banking
  • FDIC insured2
  • A limit of six transactions per statement cycle
  • Deposit checks remotely and make transfer with the CIT Bank mobile app
  • $100 minimum opening deposit

Nationwide | Money Market Plus

The Money Market Plus account is designed for members who want the security of a traditional savings account, but with higher returns.

  • You can earn up to 0.25% APY
  • FDIC-insured
  • Complimentary starter checks (upon request at account opening)
  • Up to $10.00 domestic ATM fees reimbursed per month
  • Suite of complimentary digital banking tools
  • Maintenance fee of $8.00 waived when you maintain a $1,000 minimum daily balance
  • Minimum balance required to open the account: $1000

UFB Direct | Premium Money Market

Unleash the power of compound interest and reach your financial goals faster.
  • Earn up to 0.20% APY on balances of $10,000 and greater – 3x the national average
  • No monthly maintenance fees with a $5,000 balance, otherwise fee is $10.00 per month
  • Minimum opening deposit of $5,000
  • Access your funds 24/7 with easy-to-use digital banking tools
  • Enjoy peace of mind with FDIC insurance up to the maximum allowance limit

CD Accounts

Quontic | Certificate of Deposit

Earn up to 2.20% Annual Percentage Yield (APY) with a Quontic Certificate of Deposit.

  • Open your account in 3 minutes or less
  • Terms range from 6 months to 5 years
    • 6 months: 1.15% APY
    • 1 year: 1.76% APY
    • 2 years: 1.95% APY
    • 3 years: 2.05% APY
    • 5 years: 2.20% APY
  • Minimum of $500 required to open

Banking Disclosures

CIT Bank | Term CD

Achieve your short-term goals and long-term dreams. $1,000 minimum opening deposit.

  • Earn up to 0.50% Annual Percentage Yield (APY)
  • Daily compounding interest to maximize your earning potential
  • Terms range from 6 months to 4 years
  • FDIC insured
  • No account opening or maintenance fees
  • $1,000 minimum to open

CIT Bank | No-Penalty 11-Month CD

Your hard-earned money deserves a hard-working bank3. Security and flexibility with access to funds. 

  • Earn 2.00% Annual Percentage Yield (APY)1 with our No-Penalty CD
  • No penalty to access funds if needed before maturity2
  • No opening or maintenance fees 
  • Daily compounding interest to maximize your earning potential
  • FDIC insured*
  • $1,000 minimum to open

Cash Management Accounts

Aspiration | Spend & Save

Spend sustainably.
  • 3-5% cash back on purchases with Conscience Coalition partners
  • Access 55,000+ free ATMs worldwide
  • Get paid two days early
  • Enable Plant Your Change and plant a tree with every purchase round-up (optional)
 

Save money, save the planet.

  • Up to 3.00% APY interest on savings balance
  • Instant transfers between your Spend account and your Save account
  • Choose your own monthly fee, even if it’s zero

Aspiration Plus | Spend & Save

Spend with purpose.
  • 10% cash back on purchases with Conscience Coalition partners
  • One out-of-network ATM reimbursement monthly
  • Opt to plant a climate change-fighting tree with every purchase
  • Exclusive, planet-friendly debit card made from recycled plastic
  • Carbon offsets for all your gas purchases with Planet Protection
 

Save more than just money.

  • Up to 5.00% APY interest on savings balance (83x the national average)
  • Instant transfers between your Spend account and your Save account
  • $7.99 per month, or $5.99 per month with annual subscription

Looking to invest a portion of your deposit balance?

Browse a wide range of investment categories and start investing today.

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