Update 9/4/25: Available again, not entirely sure why this was marked as expired.
Offer at a glance
- Maximum bonus amount: $100
- Availability: Nationwide
- Direct deposit required: No
- Additional requirements: See below
- Hard/soft pull: Soft
- ChexSystems: Yes (comments here suggest they might be Chex sensitive)
- Credit card funding: None
- Monthly fees: None
- Early account termination fee: None
- Household limit: None
- Expiration date: None
Contents
The Offer
- CIT Bank is offering a $100 bonus when you open a new checking account and complete the following requirements:
- Use promo code EC2025
- Deposit at least $2,500 or more within 30 days
The Fine Print
- See full terms here
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
This account has no monthly fees to worry about.
Early Account Termination Fee
This account has no monthly fees to worry about.
Our Verdict
Always nice to see an easy bonus like this. CIT Bank frequently has savings offers, it’s also nice that this works for existing eChecking account holders. We will add this to our best bank account bonuses.
Hat tip to ShawntheShawn
Useful posts regarding bank bonuses:
- A Beginners Guide To Bank Account Bonuses
- Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
- PSA: Don’t Call The Bank
- Introduction To ChexSystems
- Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
- What Banks & Credit Unions Do/Don’t Pull ChexSystems?
- How To Use Our Direct Deposit Page For Bank Bonuses Page
- Common Bank Bonus Misconceptions + Why You Should Give Them A Go
- How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
- Affiliate Links & Bank Bonuses – We Won’t Be Using Them
- Complete List Of Ways To Close Bank Accounts At Each Bank
- Banks That Allow/Don’t Allow Out Of State Checking Applications
- Bank Bonus Posting Times
Rejected, likely because of Chex. I’m at lol/12.
Rejected with Chex Frozen
We need a little more information before your account can be opened
We’ve received your application but need a little more information to confirm your identity. A CIT Bank representative will be in touch by email or phone within the next 3-5 business days. Thank you for your patience.
I opened 8/28 with a $100 deposit, which is still pending. Also deposited a small check I happened to receive on 8/30. The check is also still pending and I’m starting to wonder whether CIT is going to put a weeklong hold on every deposit I make or if this is a fluke. For ACH pushes after the opening deposit, have others seen their funds held up for days at a time?
New CIT Bank Customers:
“Offer valid for a New CIT Bank Primary Customer, who, at account opening, does not have a valid CIT Bank User ID (a “New Customer”), or any open CIT Bank accounts provided that the following requirements are met:”
All Those requirements for NEW eChecking customers or Existing eChecking cutomers who did not use the promotion at the time of opening
So for examole if you currently have a user ID for a CIT savings account and want to add a checking, NOT FOR YOU !!
Keep reaching further down…
CIT Bank Customers Prior to the Promotion: Offer valid for a Primary account owner of an existing or newly opened eChecking account with a CIT Bank User ID before the start of the promotion, provided that the following requirements are met
That is ok for current echecking members only not those with only Savings accounts
wrong
What? Where are you reading that?
Nowhere…it’s an AI hallucination caused by a poor inference model.
Instant rejection, may be chex sensitive indeed
Doubtful that it’s due to Chex. I was denied multiple times without any Chex pulls and others have been as well.
Doesn’t look like there’s a hold period, but I see a couple of DPs that didn’t get the bonus for pulling early
Where are the DPs
Just one of several in the thread
https://www.doctorofcredit.com/cit-bank-100-checking-bonus-direct-deposit-not-required-new-existing-users/#comment-2124521
You can also get their brokerage account bonus to double dip this too
https://www.doctorofcredit.com/best-brokerage-bonuses-earn-up-to-3500/#CIT_Bank_First_Citizens_Wealth_Up_To_750_Brokerage_Bonus
How is this a double dip?
Yea its new/additional funds but trying to help the ppl get some extra cash
What’s the quickest way to close their checking account? I have a savings account that uses the same log in and don’t want to screwed up having both closed.
How long do I need to hold the $2500 there