CIT  Reviews 516

Stay away form this bank. They allow people to open accounts under your name with no identifiable info. The do not follow the Know Your Customer (KYC) laws and when you contact them to inquire and report fraud... THEY DO NOT HAVE A FRAUD DEPT who you can speak to or obtain key info. SHADY AF. Better going with a legitimate bank

They sent me a message asking for more info on February 13 2026, to date no followup. It is clear this same template reply is posted under many reviews posted here, which suggests the response is procedural rather than genuine. Customers deserve more than an automated redirection. These "replies" from them want them to look responsive and move it out of public view but its just a PR strategy.

Escribo esta reseña para alertar a futuros clientes sobre la arbitrariedad e irresponsabilidad en el manejo de servicios esenciales por parte de CIT Bank.
Recientemente me registré en su plataforma y realicé el proceso de inscripción para el servicio de Zelle. Inicialmente, al usar un correo electrónico ya asociado a otra entidad (un error común que intenté corregir), el sistema me solicitó cambiarlo. Así lo hice: cambié el email original a secundario y me inscribí exitosamente con un nuevo correo primario. El sistema me permitió usar Zelle, recibir una transferencia y validar mi cuenta.
Sin previo aviso ni comunicación clara sobre una violación de términos, CIT Bank procedió a bloquear mi acceso a Zelle al día siguiente, de forma unilateral.
Lo que es mucho más grave y totalmente inaceptable es que la acción de CIT Bank no solo me afectó a mí en su plataforma, sino que, de alguna manera, esta institución envió una alerta que provocó el bloqueo de mi servicio Zelle en mi otro banco principal.
Me siento profundamente dañado por las acciones desproporcionadas y arbitrarias de CIT Bank. En lugar de comunicarse o solicitar una aclaración, optaron por un bloqueo que ha tenido consecuencias directas y negativas en mi capacidad para manejar mis finanzas en otras instituciones.
Esto no es solo un inconveniente; es una demostración de un manejo de riesgo y atención al cliente que es, en el mejor de los casos, negligente y, en el peor, abusivo. Exijo una explicación y una solución a este bloqueo injustificado que ha creado un problema en cadena para mi vida financiera.
Advertencia a futuros clientes: Tengan extremo cuidado con las acciones unilaterales de este banco que pueden tener graves repercusiones más allá de su plataforma."

I am writing this review to warn future customers about the arbitrariness and irresponsibility in the handling of essential services by CIT Bank.
I recently registered on their platform and completed the enrollment process for the Zelle service. Initially, when using an email already associated with another entity (a common mistake I immediately tried to correct), the system prompted me to change it. I did so: I moved the original email to secondary and successfully enrolled with a new primary email. The system allowed me to use Zelle, receive a transfer, and validate my account.
Without any prior warning or clear communication regarding a terms violation, CIT Bank proceeded to block my access to Zelle the next day, unilaterally.
What is far more serious and completely unacceptable is that CIT Bank's action did not just affect me on their platform; somehow, this institution triggered an alert that caused the blocking of my Zelle service at my other main bank.
I feel deeply harmed by the disproportionate and arbitrary actions of CIT Bank. Instead of communicating or requesting clarification, they opted for a block that has had direct and negative consequences on my ability to manage my finances at other institutions.
This is not just an inconvenience; it is a demonstration of risk management and customer care that is, at best, negligent, and at worst, abusive. I demand an explanation and a resolution to this unjustified block that has created a chain problem for my financial life.
Warning to Future Customers: Exercise extreme caution regarding this bank's unilateral actions, which can have severe repercussions beyond their own platform

Website is terrible. Want to check your balace? You have a 10% chance that you will be able to even log in. Most of the time you can't even get the website to load at all. IF you actually can log in you have almost no chance of actually transferring $$ before it times out in an endless loading loop. I'm done. I'm going to move all my $$ out. Of course that is easier said than done..... The rate of return on their savings account it good, but I'm tired of dealing with the access issues... which have been going on for YEARS.

CIT BANK’S BEHAVIOR TOWARD MY ACCOUNT WAS OUTRAGEOUS — I’VE NEVER EXPERIENCED ANYTHING LIKE IT

I am beyond furious with CIT Bank. What happened to me is so outrageous that I feel obligated to warn EVERYONE.

I opened accounts on 9/24/25, deposited $52,250, completed every requirement for their $300 and $100 bonuses, and then withdrew the large deposit — but I left MY money in the accounts:
• $100.10 in checking
• $137.34 in Platinum Savings

Then, on 10/29/25, CIT Bank shut down BOTH accounts without ANY notice, ANY warning, ANY explanation, NOTHING.

No email.
No call.
No message.
Just gone.

And here’s the part that has me absolutely LIVID:

They did NOT return my remaining money.

MY $237.44 simply disappeared when they closed the accounts.

In my experience, it felt like they just took it.

I don’t care how they try to justify this — no legitimate bank should EVER close an account with zero notice and keep the customer’s balance. The fact that this happened is absolutely unbelievable.

When I contacted customer service, the responses were dismissive, vague, and completely unhelpful. No explanation. No accountability. No resolution. Just “the accounts are closed.” Meanwhile, my money is still missing.

I want my money back. ALL of it.

And until CIT Bank fixes this, I will warn EVERY SINGLE PERSON I CAN:

⚠️ In my experience, CIT Bank closes accounts without notice.

⚠️ In my experience, CIT Bank did NOT return the money in my accounts.

⚠️ What happened to me felt completely unacceptable and deeply untrustworthy.

If you are considering banking here: DON’T.
What happened to me should NEVER happen to anyone.

CIT Bank’s actions raise serious concerns regarding:
(1) unlawful account closure practices,
(2) improper withholding or seizure of consumer funds,
(3) failure to provide legally required disclosures,
(4) deceptive promotional practices, and
(5) potential violation of federal consumer protection laws.

I am filing this addendum to ensure there is a clear, written record of the timeline, the amounts involved, and CIT Bank’s refusal to return my funds. I request immediate investigation and full restitution of all money wrongfully taken.

This trash bank will lock your account and will do everything possible to not make contact with you as the customer. Do yourself a favor and keep your cash somewhere else.

Update: I've called several times and this bank really does not care about you.

I have been transferring funds into my account days prior because I knew I had to send a wire for earnest money. The money is pending and will not be available until after my deadline. I called the bank, and they apologized. It's a process, as I was told. So it takes 5 days to settle a $20 transaction? This is ridiculous! The minute this money settles, I will be transferring my money out of this bank.

I just spent time trying to open an account online and at the end it says unable to open an account. Total disgusting treatment. I have top credit and top history. I will never use them again and advise others to steer clear!

Truly fell off. I joined when they have a 5% interest rate and since then, it's dropped below many competing banks. This would be whatever except their website and app is CONSTANTLY down' I think 80% of the time when I try to check my balance, it's just loading loops and a non-working site. It's not a nice experience to have so much money locked up in an unreliable place so I'm transferring it all out ASAP.

This bank has problems. it says one can access accounts 24/7. Not true. I have not been able to check my account for several months. I see others have the same problem. This is not acceptable.
Update:
I called the number CIT bank left for me. It was an unpleasant experience. The person had to follow a ridiculously long proceedure that took ages. Even then it didn't work several times. Finally I got access to my account and withdrew all my funds.
Apparently they upgraded their access to online banking without informing their customers! I recommend having nothing to do with them.

Do not waste your time or money with this bank, they are complete garbage. First Citizens owns this bank but whoever is in-charge should be fired immediately. Their app is absolutely horrible. I mean it’s a completely online bank, your Tech should be top notch. They take forever to credit transfers to your account. Im sorry but 7 days in 2025 when the transfer is complete the next day is just way too long. Their high yield interest rate falls constantly. Just avoid the headache, this bank sucks!

When I went to the account online (or on the app) to make a transfer an offer comes up for a higher interest rate. Very deceiving message because it cancels the transfer. You have to say no to the offer to transfer your money. I had to get an agent on the phone to explain that this was a retention offer. It doesn't say that.
Overall it has been a difficult digital experience and I am ending it today.

Overall the bank account is fine. However, they said I'd get 4.6% interest on my savings account, which I never received. I received 4.3% on my first month and went down to 4% the following month. I'd have to say they are not "Honest" overall when it comes to their interest percentages.

Customer service of CIT bank is hampered by an ill constructed security system, and website (i.e. bad IT). I was told usernames have to be in all caps. Mine was in all lowercase was not rejected when I opened/created the account.
So when I went to enter my account page for the first time, I entered it in all lowercase, as I had, when I created the account, the site would then request to send SIM codes to phone numbers that are not all connected to me. Of course this looked like the phishing expedition so I called them. I had 4 conversations with the 3 different reps throughout the day (the first rep was useless, I think because he might’ve been new and didn’t understand exactly what the problem was with their system) and it was obvious this is not their fault.
It’s the website and IT security design. The last rep told me there is a fix coming for this or at least a notice about these problems coming out, but I wasted hours and they wasted hours speaking with me. Again, nota service desk problem. They are stuck with bad IT security and website design.

If I could give 0 stars I would. There customer service is terrible and demeaning. They processed a withdrawal from my other bank without my authorization, then when i tried to get my money back they refused and said id have to wait the week it takes to process into CIT then transfer it back to the original bank(which takes another week). As soon as i can get my money out I'm cancelling my account.DO NOT USE CIT.

Completely unreliable website. From 6/21/25 - 6/23/25 the website was completely down. However, it was just an infinite loading bar, they don't even have proper error handling.

For all the brain dead MBAs who see tech as an expense....invest in actual technical expertise. How can you have a banking website down for over 24 hours with no notice to users.

I moved all my accounts out. Just google "cit bank login not working reddit" and you will find multiple posts. Don't bank here.

At first it seemed like it was going to be very difficult to work with CIT after my father’s death. It took longer and more information to verify my identity than with other banks. BUT I may have just been being impatient. Once I was assigned an estate coordinator all my questions were answered and everything began moving quickly and thoughtfully. I received a check from them before all the other banks that my father had funds in that were quicker to verify my identity. I have to give a very special thanks to Johanna Campos and Isabel Alba. They have been really patient with me and have taken their time to step me through the process and explain everything. I am grateful for their time and expertise.

My husband died 5 years ago. We tried getting information from CIT bank back then - sent in the paperwork requested which included his death certificate. We got no response. Due to grief, I decided to try again later. Well, 5 years later we are trying again. Sent in his death certificate again along with my driver's license and the NOTARIZED paperwork. I have not moved - my present address is the same as the address of record. Got an email requesting I give them a call back to verify the account. I called back and they asked me ridiculous questions such as how was the last deposit made. How would I know? He took care of the account and he died 5 years ago. Couldn't 'verify' the account so now I need to wait another 3-5 days for their Estate Department to call me back. Let's see what kind of idiotic questions they'll ask or hoops they will have me jump through to get access to my money. Maybe I'll have to put a lawyer on this just to get my money back. My suggestion - stay away from this bank, especially if you are an older adult at risk for dying. Your beneficiaries will have a hell of a time getting their money out. A high interest rate is not worth going through this.

In an era of instantaneous electronic funds transfers, the amount of time it takes to get money into a CIT account is unconscionable. That, along with their cumbersome app, makes it nearly impossible to know how much money is actually in one’s account, and how much is on its way. These delays and its poor app lead to duplicate transfers (which, of course, can be rejected due to insufficient funds), and total confusion about how much money is my accounts. I haven’t tried to get money out of CIT, but given how long it takes to transfer money into it, I plan to give them weeks to transfer funds instead of the hours or days funds transfers occur with Goldman Sachs or AmEx. I regret setting up an account with this institution and would advise others to stay away.

I have held a large amount of retirement money in CIT Platinum Savings for over 6 years. I received a threatening email Saturday telling me to revise my beneficiary or they would close the account. Their website was down for maintenance all weekend and also Monday morning. I tried calling but was put on hold for over 45 minutes. I am beginning to think maybe the ICE riots have people staying home in the LA area and not going to work. I finally got into my account online and transferred all my funds to a midwest bank and requested all my accounts be closed. Newsome and Bass have LA in a real mess and the California economy is going to suffer. I am pulling all my in vestments out of the state,

The worst online bank. They do not send an email when your account has been inactive and then you have to call and prove who you are to get it activated again. Do not do business with them, every step is painful and you will regret it.