Quontic vs CIT Bank

Quontic is an innovative digital bank offering checking accounts with high rewards. How does it compare to CIT Bank? Read our comparison chart below.

	Quontic	CIT Bank
	Member FDIC	Member FDIC
	Visit Site	Visit Site
	SPECIAL OFFER High Yield Savings - 3.75% APY - Learn More Read Quontic Review	SPECIAL OFFER CIT Bank Platinum Savings - Learn More Read CIT Bank Review
	Benefits and Features
Savings	High Yield Savings: 3.75% APY	Platinum Savings: 3.85% APY with a balance of $5,000 or more Savings Connect: 3.75% APY Savings Builder up to 1.00% APY with $25,000+ balance or $100 monthly deposit
CD	3.00% to 3.85% APY; $500 minimum	Term CDs up to 3.35% APY. $1,000 minimum opening deposit.
Checking	High Interest Checking: Up to 1.10% APY Cash Rewards Checking: 1.00% cashback	eChecking: 0.25% APY with $25,000+ balance and 0.10% APY on balances under $25,000
Money Market	4.25% APY	1.55% APY
Mobile App		iOS & Android
ATMs		No ATM fees from CIT Bank. Up to $30 in other banks' ATM fees reimbursed per month (for eChecking Account)
Customer Service		Mon - Fri: 9 am - 9 pm ET Sat: 10 am - 6 pm ET Sunday: Closed
Locations	Online only	Online Only
	CreditDonkey® Reviews

Savings
Checking
Mobile App
Customer Service
Money Market
Pros & Cons	Pros: No monthly service fee High interest rate Cons: Basic mobile app $5/mo inactivity fee	Pros: High savings APY No monthly fees Low opening deposits Cons: No check writing
Bottom Line	Innovative digital bank offering checking accounts with high rewards... Read full review	Solid online bank with excellent rates and no monthly fees... Read full review
	Visit Site	Visit Site
	High Yield Savings - 3.75% APY High Interest Checking - Up to 1.10% APY CD Rates - Up to 3.85% APY	CIT Bank Platinum Savings CIT Bank Savings Connect CIT Bank No Penalty CD - 3.35% APY
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Quontic: Pricing information from published website as of 09/27/2025. CIT Bank: For complete list of account details and fees, see our Personal Account disclosures.

Member FDIC

CIT Bank Platinum Savings - $300 Bonus

Get Deal

Expires 12/8/2025

Qualify for a $300 cash bonus with a minimum deposit of $50,000
This limited-time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025, and can end at any time without notice.

Member FDIC

CIT Bank Platinum Savings - $225 Bonus

Get Deal

Expires 12/8/2025

Qualify for a $225 cash bonus with a minimum deposit of $25,000
This limited-time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025, and can end at any time without notice.

Member FDIC

CIT Bank Platinum Savings - 3.85% APY

Learn More

3.85% APY with a balance of $5,000 or more
0.25% APY with a balance of less than $5,000
$100 minimum opening deposit
No monthly maintenance fee
Member FDIC

Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. *APYs — Annual Percentage Yields are accurate as of September 23, 2025: 0.25% APY on balances of $0.01 to $4,999.99; 3.85% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.

Which is Better: Quontic or CIT Bank?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Quontic or Bank of America.

In short: CIT Bank's savings is outstanding.

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