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CIT Bank vs UFB Direct

CIT Bank is a solid online bank with excellent rates and no monthly fees. How does it compare to UFB Direct? Read our comparison chart below.

CIT Bank is an online division of First Citizens Bank. It's known for high interest rates on its savings accounts and CDs. In addition, it offers an eChecking account. All accounts have no monthly service fees.

While UFB Direct specializes in online savings accounts with competitive APYs. The UFB Savings has no monthly fees and comes with a complimentary ATM card, while the UFB Money Market has balance requirements but offers check-writing privileges.

Compare CIT Bank with UFB Direct, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 CIT Bank
Member FDIC
Member FDIC
 Visit SiteLearn More
 

CIT Bank

UFB Direct

SPECIAL OFFER
CIT Bank Platinum Savings - Learn More

Read CIT Bank Review

SPECIAL OFFER
UFB Secure Savings - Earn up to 5.25% APY - Learn More

Read UFB Direct Review

 

Benefits and Features

SavingsPlatinum Savings: 5.00% APY with a balance of $5,000 or more
Savings Connect: 4.65% APY
Savings Builder up to 1.00% APY with $25,000+ balance or $100 monthly deposit
Up to 5.25% APY
CDTerm CDs up to 3.50% APY. $1,000 minimum opening deposit.
N/A
CheckingeChecking: 0.25% APY with $25,000+ balance and 0.10% APY on balances under $25,000
N/A
Money Market
1.55% APY
Up to 5.25% APY
Mobile App
iOS & Android
iOS & Android
ATMsNo ATM fees from CIT Bank. Up to $30 in other banks' ATM fees reimbursed per month (for eChecking Account)Free withdrawals at 91,000 ATMs across the nation
Customer ServiceMon - Fri: 9 am - 9 pm ET
Sat: 10 am - 6 pm ET
Sunday: Closed
Mon - Fri: 8 am - 5 pm PT
Locations
Online Only
Online only
 

CreditDonkey® Reviews

 CIT Bank
SavingsStarStarStarStarStarStarStarStarStarStar
CheckingStarStarStarStarHalf Star
Money MarketStarStarStarStarHalf StarStarStarStarStarEmpty Star
Mobile AppStarStarStarStarEmpty StarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarHalf StarEmpty Star
Pros & ConsPros:
  • High savings APY
  • No monthly fees
  • Low opening deposits
Cons:
  • No check writing
Pros:
  • Competitive APYs
  • Easy online banking
Cons:
  • Limited transactions
  • No physical locations
Bottom LineSolid online bank with excellent rates and no monthly fees... Read full reviewSafe digital bank for high APYs on personal savings and MMAs... Read full review
 Visit SiteLearn More

CIT Bank: Pricing information and data points from published website as of 06/14/2024.

UFB Direct: Pricing information from published website as of 05/18/2024.

CIT Bank
Member FDIC

CIT Bank Platinum Savings - 5.00% APY

  • 5.00% 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
CIT Bank
Member FDIC

CIT Bank Savings Connect - 4.65% APY

  • Earn 11x the national average
  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC
CIT Bank
Member FDIC

CIT Bank No Penalty CD - 3.50% APY

  • 3.50% APY
  • Option to withdraw full balance and interest after 7 days of CD funding date
  • $1,000 minimum to open an account
  • 11 months
  • No monthly maintenance fee
  • Member FDIC

Which is Better: CIT Bank or UFB Direct?

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


Articles on CIT Bank

CIT Bank CD Rates Review

CIT Bank offers a high interest rate. But how reliable is this online bank? Read this review to find out if what you heard is true.

CIT Bank CD Rates

CIT Bank is a well-known online bank with high savings interest rates. Find out how CIT Bank's CD rates compares to other trustworthy banks.

Who is CIT Bank

CIT Bank offers accounts with high interest rates and low fees. But just who is CIT Bank? And should you trust them with your money?

CIT Bank Platinum Savings vs Savings Connect

CIT Platinum Savings is CIT Bank's newest savings account. It advertises a higher APY. Check out how it compares to Savings Connect. Get a higher rate now.

CIT Bank Savings Builder vs Savings Connect

CIT Bank has even more ways to save now. Savings Connect and Savings Builder both offer competitive rates. Find out the bank account that is best for you.

CIT Bank Complaints

CIT Bank offers a high APY. But there are some downsides, too. Read on to learn more about CIT Bank common complaints and possible solutions.

CIT Bank Locations

CIT Bank is an online bank that offers a variety of savings products. Find out how to manage your account, reach customer service, and the bank's current offers.

CIT Platinum Savings

CIT Platinum Savings Account boasts a higher APY than its other savings accounts. But there's a slight catch. Read on to learn how to get the highest APY.

CIT Bank No Penalty CD

CIT Bank offers a CD account that has no penalty for early withdrawal. Read on to learn about the APY and any requirements or fees that come with it.

CIT Bank High Yield Savings Review

CIT Bank savings accounts offer some of the highest APYs with minimal requirements. Read on to learn how CIT can help you grow your money.

CIT Bank Savings Builder vs Money Market

CIT Bank offers both money market and savings accounts. But which is better to keep your money safe? Find out how to choose between the two.

What is CIT Bank

In the modern world, there are some things you just don't have to do anymore. Like drawing water from a well. Or paying fees just to keep your bank account open.

CIT Bank Login

Forgot your CIT Bank username? We'll show you how to login your online bank account.

CIT Bank Savings Builder Review

If you can save $100 per month, you can earn a high interest rate with CIT Bank Savings Builder. Find out if this bank is any good.

CIT Bank Routing Number

Want to transfer money in or out of your CIT Bank account? Read this review to find your ABA routing number.

Articles on UFB Direct

UFB Direct Review

UFB Direct offers high interest rates. But is it a safe choice? Find out in this review.

UFB Direct Savings vs Money Market

UFB Direct offers high APYs on savings and money market accounts. Find out which one suits your financial needs best. Get a higher rate today.

Which Do You Think is Best?


Which Bank Account is Right for You?


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CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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