Cit bank reddit

Feb 5, 2024 ... Citibank has branches in 10 US states, DC, and Puerto Rico. The bank also has access to 65000 fee-free ATMs nationwide, and additional ATMs ...SoFi Bank, N.A. is a digital experience powered by the SoFi app featuring SoFi Checking and Savings accounts that allow you to save, spend and earn cash-back all in one place. Members can earn up to the highest APY on their Checking and on Savings with active direct deposit. Members without direct deposit will still earn interest on Checking ...In today’s digital age, having a strong online presence is crucial for the success of any website. With millions of users and a vast variety of communities, Reddit has emerged as o...CIT Bank has a higher APY, but Wealthfront offers some additional features, like automatic investing and budgeting tools. Ultimately, the best choice for you will depend on your individual needs and preferences. Wealthfront is not a …CIT Bank is offering me 3.6% for 30 year fixed versus my credit union offering 4%. My house purchase 720K with 20% down and 750+ credit score. I found CIT bank on Redfin using finance calculator. Is this low rate real or a scam? Anyone have experience using them? I'm a very skeptical person by nature, it seems like most banks have hidden fees.Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Join our community, read the PF Wiki, and get on top of your finances! 19M Members. 3.7K Online. 37 Rank by size. r/PersonalFinanceCanada.Jan 25, 2024 ... In contrast, Forbright Bank exclusively offers traditional CDs. CIT doesn't have an ATM network, but it refunds up to $30 per month in ATM fees. The biggest "catch" for Sofi, which you didn't mention if you are going to do, is that you need to have Direct Deposit to get that 3.50%. You will lose that 3.50% if you remove the direct deposit. Without it the interest rate is 1.20%. I have SOFI accounts, I think they are pretty easy to use. CIT Bank Voucher Code in June 2023. Use the link for CIT Bank Voucher Code in June 2023. The website features a wide selection of coupons, promo codes, and discount deals that are updated regularly for you to choose from and make your purchase more affordable. Vote.Dan-in-Va. • 1 yr. ago • Edited 1 yr. ago. Ally and Marcus are good high yield savings accounts for Gen-Z. Keep in mind, you should have a primary bank or credit union for banking services. I use USAA, Ally, and Navy Federal for banking services, but I have accounts with Chase (which has a lot of branches) and Citibank (great for ... The transfer process can take up to five business days to complete. Funds received from an electronic transfer that are initiated in Online Banking are subject to a 5 business day hold. During that time, the funds are a part of the account balance and are earning interest. That is a good answer, thanks. Thanks for sharing. The house that I want would cost around 600k in a HCOL area, so 150k should cover 20 down and any closing costs. That being said, I am maximizing my traditional 401k this year and would be saving for an emergency fund till I buy a house but no contributions to an IRA, will make those if I have any funds left by the end of the year lol.Shart_Art. •. Wealthfront is a 1000$ daily withdrawal limit for ATMs. I use a local bank for checking and any extra cream goes into wealthfront cash acct. Then transfers to Wealthfront market acct usually only take minutes to get invested. Invite people to join and you each get 5k managed with no fees.CURRENT TOP RATE. Platinum Savings. View all rates. Overview / Commentary. www.cit.com. 855-462-2652. 75 N Fair Oaks Ave. Pasadena, CA 91103. …PRINCIPAL LIFETIME HYBRID 2025 CIT X- Performance charts including intraday, historical charts and prices and keydata. Indices Commodities Currencies StocksThoughts/experiences on UFB Direct HYSA. I just discovered them here on Reddit yesterday. While they seem legit, I always find it a little weird when I discover a bank I've never heard of before. Their Savings account offers 4.81%, which is the highest I …CIT Bank Online Banking provides real-time access to your account to help you manage your money when it’s most convenient. Get started. Member FDIC.Cancel the transfer before it completes, (you can do this immediately) Discover will credit you with another $50, since their system sees it as $20K total deposits. Then open a HYSA with Capital One with bonus code SAVE1000. Transfer your $15K and wait the 90 days for the $200 bonus to post. You've just earned $400 bucks in a few months and ...SoFi members with direct deposit can earn up to 4.50% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum direct deposit amount required to qualify for the 4.50% APY for savings. Members without direct deposit will earn up to 1.20% annual percentage …Mar 7, 2024 ... CIT Bank is an online-only bank that offers a savings account with an annual percentage yield (APY) that far outpaces the national average. retroPencil. • 10 mo. ago. The fine print at the bottom of the page: With a No-Penalty CD, you may withdraw the total balance and interest earned, without penalty, beginning 7 days after funds have been received for your CD. No withdrawals are permitted during the first 6 days following the receipt of funds. [deleted] Econ0mist. • 2 yr. ago. Synchrony is ok, I'd rate them a notch below the big banks (Chase, Amex, Wells Fargo, etc), but a notch above the sub-prime companies (Credit One, First Premier, etc). Their PayPal 2% card might be their best offering. Don't open too many cards with them or they might cancel the cards due to a "high risk of failure to ...Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Join our community, read the PF Wiki, and get on top of your finances!Let's Do a CIT Bank lawsuit. CIT Bank is apparently dust in the wind. Their website and mobile platform are gone, no explanation, and thus you can't access your money. Their call center is closed. My pretty substantial amount of money with them, is just gone. I am going to sue this bank, and anyone else who's having this same …In summary, the CIT Bank Savings Connect account is a great way to safeguard your money. It has no monthly service fees and one of the best interest rates for savings accounts at 4.65% APY. Just ...CIT Bank has a higher APY, but Wealthfront offers some additional features, like automatic investing and budgeting tools. Ultimately, the best choice for you will depend on your individual needs and preferences. Wealthfront is not a …Open a Citibank account in Citi Priority for preferred banking benefits, no Monthly Service Fees, financial planning from Citi Personal Wealth Management, ...It’s not the bank’s fault when you overdraw your account though and any additional charges for that are automatic. Not really fair to blame the bank in these cases. Fees for these things aren’t hidden and it’s easy to track your finances with an app nowadays. And they still made all those exceptions. I would say it’s pretty generous.The biggest "catch" for Sofi, which you didn't mention if you are going to do, is that you need to have Direct Deposit to get that 3.50%. You will lose that 3.50% if you remove the direct deposit. Without it the interest rate is 1.20%. I have SOFI accounts, I …On contrary, I signed up for Investors Bank money market savings. It took less than 30 minutes for whole process and I was able to setup and finish transferring money from external account. Check out Investors Bank. Their rates are good as well (money market) AmEx Savings account seem good too, if it helps.Any other noteworthy features either of them offer that give them edge over the others? Edit: summary of advantages for folks looking at post in future. Marcus: extra 1% with referrals. Cap one: physical branches. Ally: buckets for different kind of emergency. Thank you.Thoughts/experiences on UFB Direct HYSA. I just discovered them here on Reddit yesterday. While they seem legit, I always find it a little weird when I discover a bank I've never heard of before. Their Savings account offers 4.81%, which is the highest I …Overall, CIT Bank is a great alternative to traditional banking. Its rates are competitive enough while offering flexibility and multiple solutions to fit most people’s banking needs. Pros.... 4.07% at Genisys Credit Union. $7,500 limit, requires 10 debit purchases of $5 or more each month. 4% at Current. $6,000 limit. 3.3% at Evansville Teachers Federal Credit Union. $20,000 limit, requires 15 debit purchases (any amount) each month and an electronic deposit. Although not a regular deposit account, it's also worth considering Series ... Link one to the other and initiate an ACH transfer from one to the other. In almost all cases it is free to do an ACH transfer while wire transfers cost something. In cases if you initiate a transfer from A to B on B's website it will go through faster (this is a 'pull' whereas using A's site would be a 'push').Wondering if anyone has had experience with CIT Bank? They’re advertising a 2.45% interest rate on savings account and it seems too good to be true . ... I've been in same boat as you for a while on it. I recommend searching Reddit for Cit bank and reading what people have to say (sort by new).Feb 9, 2024 ... Happy Money allows you to deposit the money you borrow into your linked bank account or directly to your creditors. ... The Citi Simplicity® Card ...The 2 that look best to me are CIT Bank and Ally, I see a lot of people recommending Ally (2.20% APY) and not a lot talking about CIT even though CIT is 2.45%. Is there a reason for Ally over CIT or vise versa? One benefit I see is Ally's checking accounts, has anyone here switched entirely from a brick and mortar bank to Ally? If you're a CIT Bank customer, you can directly sign in to your account 24 hours a day at CIT Bank Online Banking or through the mobile app. For assistance, call our Customer Contact Center at 855-462-2652 to speak with a CIT Bank representative during the following hours: Weekdays: 9:00 a.m. to 9:00 p.m. ET; Saturday: 10:00 a.m. to 6:00 p.m. ET The CIT Bank Money Market account has no monthly service fees and requires an opening deposit of $100 or more. CIT Bank customers can use online bill payment services with their money market accounts.Let's Do a CIT Bank lawsuit. CIT Bank is apparently dust in the wind. Their website and mobile platform are gone, no explanation, and thus you can't access your money. Their call center is closed. My pretty substantial amount of money with them, is just gone. I am going to sue this bank, and anyone else who's having this same …Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Join our community, read the PF Wiki, and get on top of your finances! 19M Members. 3.7K Online. 37 Rank by size. r/PersonalFinanceCanada.Some banks are open on Sunday, but the majority of banks are not. The most common situation in which certain banks are open on Sunday are those that maintain branches in grocery st...CIT Bank is an online bank offering various bank products, including high-yield savings accounts, CDs, and money market accounts. This bank is known for its …I opened a Platinum Savings account with CIT about 4 months ago, and have had no issues with regularly accessing it. What I have had issues with for about 3 weeks now is the link between that savings account and my Fidelity FullView account. The balance and various auto-pay transactions associated with that account have not been appearing on ...From what I've gathered, CIT Bank has the highest APY at 2.45% with a Savings Builder account. Sounds great, but I've also read some posts warning about poor customer …Yes, it’s FDIC insured. [deleted] • 9 mo. ago. I've never seen a bank that isn't FDIC insured, mainly because no one would use them. Check the bottom of the brilliant bank website where they list it. You should certainly verify the coverage if you're worried but it's hard to imagine they could get away with falsely advertising FDIC insurance.Every time I try to deposit a check into my platinum savings with CIT they decline it and I don’t know why. I sign the back of the check, mark it “for mobile deposit only at CIT bank” and take clear pictures. When I call their customer support (which is really unprofessional) they say they don’t know why and I have to call back later.Locked out of Bank for 3 days, finally able to get in and now an unknown account is registered. Online Savings: CIT bank Advice There isn’t any money missing, but it seems as though my account could have been hacked/tampered with? ... Reddit's home for tax geeks and taxpayers! News, discussion, policy, and law relating to any tax - U.S. and ... Shart_Art. •. Wealthfront is a 1000$ daily withdrawal limit for ATMs. I use a local bank for checking and any extra cream goes into wealthfront cash acct. Then transfers to Wealthfront market acct usually only take minutes to get invested. Invite people to join and you each get 5k managed with no fees. Locked out of Bank for 3 days, finally able to get in and now an unknown account is registered. Online Savings: CIT bank Advice There isn’t any money missing, but it seems as though my account could have been hacked/tampered with? ... Reddit's home for tax geeks and taxpayers! News, discussion, policy, and law relating to any tax - U.S. and ...Aug 23, 2023 ... Linking bank accounts at different banks typically involves logging into one bank's ... banking fees, linking bank ... Citibank Savings Account.Reddit's best personal finance guide. Learn about savings, loan management and debt consolidation. Members Online • Fuzzy_Needleworker41 . CIT Bank Platinum Savings Review: CIT Bank Hysa – Get The Right Savings Account and Personal Loans. easyloanskenya.com Open. Locked post. New comments cannot be posted. Share Add …There’s more to life than what meets the eye. Nobody knows exactly what happens after you die, but there are a lot of theories. On Reddit, people shared supposed past-life memories...It’s not the bank’s fault when you overdraw your account though and any additional charges for that are automatic. Not really fair to blame the bank in these cases. Fees for these things aren’t hidden and it’s easy to track your finances with an app nowadays. And they still made all those exceptions. I would say it’s pretty generous.I’m currently using Capital One for most of my savings. Their basic savings accounts are currently at 1.7% APR, which is not the highest out there but definitely not the lowest. Once you’re got one online bank account set up with then, it’s a cinch to set up additional savings and checking accounts.CIT BANK - UNITED STATES - Banks List. When you visit or interact with our sites, services or tools, we or our authorized service providers may use cookies for storing information to help provide you with a better, faster and safer experience and for marketing purposes.In summary, the CIT Bank Savings Connect account is a great way to safeguard your money. It has no monthly service fees and one of the best interest rates for savings accounts at 4.65% APY. Just ...Mar 6, 2024 ... The two best no-penalty CD deals from well-established online banks continue to be the 11-month no-penalty CD from CIT Bank (4.90% APY) and the ... Yes, it’s FDIC insured. [deleted] • 9 mo. ago. I've never seen a bank that isn't FDIC insured, mainly because no one would use them. Check the bottom of the brilliant bank website where they list it. You should certainly verify the coverage if you're worried but it's hard to imagine they could get away with falsely advertising FDIC insurance. ADMIN MOD. Sleazy savings account interest rate games by CIT Bank. Saving. A buyer beware note: CIT Bank generally offers attractive high-yield savings account interest … CIT BANK - Premier High Yield Savings Account - $100 Bonus - 1.30% APY up to $100k. Only 0.15% higher than spring saving, bonus17 code gives you additional $25 if you open spring saving account. According to DPs, approximately 5 mons the bonus will be posted. I personally won't do business with CIT again, the stone-age online banking system and ... What are some of the advantages of having a savings account? ... The funds in your Deposit Account at each Program Bank are eligible for insurance by the FDIC up ...If you think that scandalous, mean-spirited or downright bizarre final wills are only things you see in crazy movies, then think again. It turns out that real people who want to ma...Cancel the transfer before it completes, (you can do this immediately) Discover will credit you with another $50, since their system sees it as $20K total deposits. Then open a HYSA with Capital One with bonus code SAVE1000. Transfer your $15K and wait the 90 days for the $200 bonus to post. You've just earned $400 bucks in a few months and ...The CIT Bank Money Market account has no monthly service fees and requires an opening deposit of $100 or more. CIT Bank customers can use online bill payment services with their money market accounts. I recently (last week) opened a HYSA with CIT because they were offering 5.05%. The process was fairly simple and seems fine so far. I did see a lot of positive reviews online in different pages. I guess only time will tell. FYI the ETF SGOV is paying 5.3% yield, paid monthly. And backed by the US government. 19M Members. 3.5K Online. 37 Rank by size. r/GMECanada. Starting from April 1st 2023 BMO will no longer be free to DRS transfer from. IBKR will now be the cheapest option ($5 fee). Honourable mentions to CIBC and RBC who will be the cheapest Canadian bank/broker for DRS transfer fees ($50 fee).Jan 16, 2024 · 4.5. NerdWallet rating. APY. 5.05%. With $5,000 min. balance for APY. Learn more. at CIT Bank. CIT Bank’s Platinum Savings account offers a super competitive annual percentage yield of 5.05% for ... The CIT Bank Money Market account has no monthly service fees and requires an opening deposit of $100 or more. CIT Bank customers can use online bill … CITbank has a 2.30% APY but I've never heard much about them as a business. I'd need to put in $100/ month to get the savings account, which I can afford and I'm trying to build the emergency fund so odds are I'll put more than that in if at all possible. Ally is only at 2.10% APY but I've heard a lot about how easy they are to use and a lot of ... Cancel the transfer before it completes, (you can do this immediately) Discover will credit you with another $50, since their system sees it as $20K total deposits. Then open a HYSA with Capital One with bonus code SAVE1000. Transfer your $15K and wait the 90 days for the $200 bonus to post. You've just earned $400 bucks in a few months and ... If you are buying a bank stock which has gone 90% down, there is a lot of upside if you are right. If you are a depositor at a bank whose stock is 90% down, the upside is maybe a few hundred bucks saved on fees plus an additional 0.5% interest rate. Reply reply. JeffB1517. •.CIT BANK - Premier High Yield Savings Account - $100 Bonus - 1.30% APY up to $100k. Only 0.15% higher than spring saving, bonus17 code gives you additional $25 if you open spring saving account. According to DPs, approximately 5 mons the bonus will be posted. I personally won't do business with CIT again, the stone-age online banking system and ...Citibank : r/CreditCards. Capital One Vs. Citibank. I currently have the Capital One Quicksilver card. It has $0 Annual Fee and has 1.5% cash back on all purchases every day. I recently received a "Pre-Selected" letter from Citi for their Citi Double Cash card. Citi's card says that it has 2% cashback (1% upon purchase and 1% upon payment).It’s honestly the best option for any savings vehicle. Money market funds have a much lower "floor" than HYSAs did before the rate increases started. Yes, and yield of VMFXX's ceiling is much closer to the effective Fed Funds Rate, currently at 2.33% as of 8/11/2022.As of June 2023, the federal interest rate was 5.15%, up from 0.10% in recent years. That means you can grow your savings by putting them in a high-yield account. CIT Bank offers some of the best interest rates in the country. You can earn up to 4.95% annual percentage yield (APY) just by letting your money sit there! Lots of people have customer service issues with Sofi per the reddit thread, but I have had a great experience. Sofi has requirements like 5k balance and I believe it's 500 of direct deposits a month. But it has been steady at 4.6% over the last year or so. When I started it was at 5% I believe. Citi is obviously a much older, established bank. CIT Bank is an online bank offering various bank products, including high-yield savings accounts, CDs, and money market accounts. This bank is known for its solid interest rates and no monthly ...Planning to put in a substantial amount of funds that I don't need immediately, but planned for a remodel of my home. Don't want to get stuck with a CD I can't get funds out of, and saw a no-penalty CD at CIT Bank for 4.8% APY.. Sounds too good to be true, and I see no reason to not put funds into the CD as opposed to their savings account that gives 4.75% … I’m interested in opening a HYSA with CIT Bank for their interest rate. There was an issue with the micro deposits process where they sent them after the 1-3 days they indicated. I’ve lost some faith in their process, and wonder if this indicates that they have delays generally. Overall, CIT Bank is very light on fees, including charging $0 for overdraft and insufficient funds, and for incoming wire transfers. The only applicable fees are as follows: Outgoing wire ...Reddit is a popular social media platform that has gained immense popularity over the years. With millions of active users, it is an excellent platform for promoting your website a...Commercial Investment Trust (CIT) is part of First Citizens Bank, the 15th largest bank in the nation by assets, and it has roots that go back 100 years. It offers … Keep in mind to get 4% APR from SoFi, you have to set up a direct deposit with them. It looks like SoFi is the BEST MARKETED bank. They are marketing a lot of perks which you may or may not necessarily need. You could consider depositing into brokerage CDs at your brokerage. The CIT Savings Builder is a basic, no fee savings account. Find out if it's the best place to park your cash in our full CIT Bank Savings Builder review.I recently (last week) opened a HYSA with CIT because they were offering 5.05%. The process was fairly simple and seems fine so far. I did see a lot of positive reviews online in different pages. I guess only time will tell. FYI the ETF SGOV is paying 5.3% yield, paid monthly. And backed by the US government. As a Capital One customer, I'm used to entering a numeric code into a dialogue box in order to download transactions. It seems CIT Bank provides a code, then asks you to enter that code after receiving a phone call. You might want to explore all the authentication options with Citi; I do not have to enter a code for .com, mobile app or YNAB ... CIT Bank is offering me 3.6% for 30 year fixed versus my credit union offering 4%. My house purchase 720K with 20% down and 750+ credit score. I found CIT bank on Redfin using finance calculator. Is this low rate real or a scam? Anyone have experience using them? I'm a very skeptical person by nature, it seems like most banks have hidden fees. Please consult with your tax advisor for tax adivce. Backup Withholding is federal income tax on the interest payments on deposits. It is withheld by a bank ... Keep in mind to get 4% APR from SoFi, you have to set up a direct deposit with them. It looks like SoFi is the BEST MARKETED bank. They are marketing a lot of perks which you may or may not necessarily need. You could consider depositing into brokerage CDs at your brokerage. Commercial Investment Trust (CIT) is part of First Citizens Bank, the 15th largest bank in the nation by assets, and it has roots that go back 100 years. It offers …Wire transfer if you want to have the money both appear at the bank quickly and not have a hold on it. The speed of ACH transactions vary a lot. Small banks may do only one batch transfer per day and if you miss the cutoff the funds don't go out until the next day. Some banks do 3 or more batches per day. Typically 1 or 2 … 401K says Balance is 5K BUT it was sold to another company that says the balance is 1K. 85. 23. r/personalfinance. Join. Maximum per day in or out $30,000.00 Maximum per month $60,000.00 You may not make funds transfers in excess of limits described on the External Bank Transfer service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our service.r/Bogleheads. r/Bogleheads. Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. Jack founded Vanguard and pioneered indexed mutual funds. His work has since inspired others to get the most out of their long-term …CIT BANK - UNITED STATES - Banks List. When you visit or interact with our sites, services or tools, we or our authorized service providers may use cookies for storing information to help provide you with a better, faster and safer experience and for marketing purposes. I recently (last week) opened a HYSA with CIT because they were offering 5.05%. The process was fairly simple and seems fine so far. I did see a lot of positive reviews online in different pages. I guess only time will tell. FYI the ETF SGOV is paying 5.3% yield, paid monthly. And backed by the US government. Sofi is better than Ally. Ally has some advantages, but I hate that it does not allot VPNs. Try accessing your money overseeas. Discover has some good options, but Sofi is better. InvestingGatorGirl. • 1 yr. ago. I … The biggest "catch" for Sofi, which you didn't mention if you are going to do, is that you need to have Direct Deposit to get that 3.50%. You will lose that 3.50% if you remove the direct deposit. Without it the interest rate is 1.20%. I have SOFI accounts, I think they are pretty easy to use. As a Capital One customer, I'm used to entering a numeric code into a dialogue box in order to download transactions. It seems CIT Bank provides a code, then asks you to enter that code after receiving a phone call. You might want to explore all the authentication options with Citi; I do not have to enter a code for .com, mobile app or YNAB ... I’m interested in opening a HYSA with CIT Bank for their interest rate. There was an issue with the micro deposits process where they sent them after the 1-3 days they indicated. I’ve lost some faith in their process, and wonder if this indicates that they have delays generally. The problem with CIT is that they will occasionally change their HYSA vehicle into a new named account type. So you open a HYSA account with them, all is well for a while, and then randomly you’re not accruing HYSA interest rates any longer as they’ve basically reskinned the HYSA into something else. 4ProgressMaking. • 4 yr. ago. I opened an account there just for the bonus (got $500 because I had direct deposit as well). I liked it for that. I had the account open a little over 3 months before they dropped an extra $500. I closed the account because in 6 months, I’ll be eligible for more free money from them.CIT BANK - UNITED STATES - Banks List. When you visit or interact with our sites, services or tools, we or our authorized service providers may use cookies for storing information to help provide you with a better, faster and safer experience and for marketing purposes.CITbank platinum savings issues. I recently decided to transfer my money into a high yield savings account, the platinum savings through CITBank. I had the amount transferred on 6/26 into the account which shows in my current balance, but it will not reflect on my available balance which is currently showing as $0.Oct 17, 2023 ... Citibank fired Szabolcs Fekete last year after he ... bank. Former analyst Szabolcs Fekete sued ... Reddit Flipboard · 10Best Reviewed Best ... The 2 that look best to me are CIT Bank and Ally, I see a lot of people recommending Ally (2.20% APY) and not a lot talking about CIT even though CIT is 2.45%. Is there a reason for Ally over CIT or vise versa? One benefit I see is Ally's checking accounts, has anyone here switched entirely from a brick and mortar bank to Ally? CIT Bank Voucher Code in June 2023. Use the link for CIT Bank Voucher Code in June 2023. The website features a wide selection of coupons, promo codes, and discount deals that are updated regularly for you to choose from and make your purchase more affordable. Vote.Please consult with your tax advisor for tax adivce. Backup Withholding is federal income tax on the interest payments on deposits. It is withheld by a bank ...Econ0mist. • 2 yr. ago. Synchrony is ok, I'd rate them a notch below the big banks (Chase, Amex, Wells Fargo, etc), but a notch above the sub-prime companies (Credit One, First Premier, etc). Their PayPal 2% card might be their best offering. Don't open too many cards with them or they might cancel the cards due to a "high risk of failure to ... CITbank is legit, I used them for HYSA not too long ago. Not sure if that link is working for me but this is the site . First-Citizens Bank & Trust Company and its CIT Bank and OneWest Bank divisions are same FDIC-Insured Institution. Deposits held under each name are not separately insured but are combined to determine whether a depositor has ... If you must go for a big bank, I think PNC is worth it. PNC currently has a $200/$300 bonus for opening a new checking account, if you're in the right state. You can also fund it with up to $2000 initial deposit with a Visa/MC (hopefully you have a cash back or rewards card). | Ctfrxjjpl (article) | Mmcbebd.