Banking

Explore banking products and banking alternatives to help you manage your finances and save money.

Cash Management Accounts

Aspiration | Spend & Save

Spend sustainably.
  • Earn $150 when you spend $1,000 in the first 60 days of account opening
  • 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.
  • Earn $200 when you spend $1,000 in the first 60 days of account opening
  • 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

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 1.01% 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 early when you set up direct deposit to your Chime account
  • Get fee-free overdraft up to $200 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-free 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

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 Yield Savings

Sit back, relax and watch your money grow.

  • Earn 0.75% Annual Percentage Yield (APY)
  • No monthly service fees
  • Accrue an APY that’s 12x 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

Banking Disclosures

CIT Bank | Savings Connect & eChecking

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

  • Earn up to 0.60% APY – 10x the national average with a Savings Connect account
  • Earn interest on your eChecking funds
  • Digital convenience with online banking and the mobile app
  • Deposit checks remotely and make transfers easily with the CIT Bank mobile app
  • Easy account opening
  • FDIC-insured
  • No monthly service fees, no ATM fees and up to $30 in other U.S. bank’s ATM fees reimbursed per month on your eChecking account

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 0.50% Annual Percentage Yield (APY) on your Savings Account – which is 8x the national average
  • No minimum balance requirements, no maximum on interest earned, and no monthly or service fees
  • Grow your savings automatically with Round Ups 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

Banking Disclosures

CIT Bank | Savings Builder

Save more and earn more with the Savings Builder.

  • Earn up to 0.45% APY – 7x the national average
  • Get 0.449% interest rate from the day the account is opened through the first Evaluation Day
  • Continue earning up to 0.45% 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
  • 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 0.60% Annual Percentage Yield (APY) with a Quontic Money Market account (0.40% – 0.60% APY based on the daily account balance)
  • Limit of 6 withdrawals per statement cycle
  • No monthly service fees
  • $100 minimum deposit required to open an account

Banking Disclosures

CIT Bank | Money Market

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

  • Earn 0.55% Annual Percentage Yield (APY)
  • Quick and easy access to funds
  • No monthly service fees
  • 24/7 secure & award-winning banking
  • FDIC insured
  • 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 2.30% 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: 0.95% APY
    • 1 year: 1.25% APY
    • 2 years: 1.75% APY
    • 3 years: 1.95% APY
    • 5 years: 2.30% 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

Banking Disclosures

CIT Bank | No-Penalty CD

Security and flexibility with access to funds. $1,000 minimum opening deposit.

  • Earn 0.30% Annual Percentage Yield (APY) with our 11-Month CD 
  • Daily compounding interest to maximize your earning potential
  • No penalty to access funds if needed before maturity
  • FDIC insured
  • No account opening or maintenance fees
  • $1,000 minimum to open

Looking to invest a portion of your deposit balance?

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

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