cit.com Reviews
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1.6 / 5
Average user rating
513
Total reviews
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cit.com Reviews
Read real experiences from customers of cit.com.
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Amilcar Ponce
April 3, 2026
Be cautious when applying with this bank
Be cautious when applying with this institution. I’m genuinely concerned about having my personal information on file with them now. I recently applied for a high‑yield savings account and was denied, despite having an 835 credit score and a six‑figure income — and my wife earns the same. Given our financial profile, the denial makes no sense, and it raises red flags about how they handle applications and information. At this point, I’m uneasy about the data I shared with them.
Connor Smith
April 2, 2026
They have locked me out of my account…
They have locked me out of my account for "review". After repeated calls they have not given me answers about why or when I'll get access to my funds.
Robert Perillo
April 1, 2026
Predatory institution
Predatory institution. Was seduced by the low interest rate on equipment financing for an auto lift, payment was supposed to be $92/mo. To my surprise that ballooned to $110/mo when the first payment was withdrawn. I called to ask why, they said they placed insurance on it. There was apparently a clause in the contract (who reads beyond interest rate & payment?) stating the machinery needed insurance so they “insured” it for me. Fast forward three years my last payment was withdrawn including a fee of $379 - THREE HUNDRED SEVENTY NINE DOLLARS. I put a stop payment on it and immediately called. Again with this exploitative contract, buried in the small print, $379 due to the bank upon loan termination. It should be illegal to fleece people in this way. I would have legitimately been better off getting financing from a loan shark. $2750 piece of equipment cost me $4300+. DO NOT trust these thieves.
Tsjanith
March 26, 2026
Perfect HYSA experience
These reviews are baffling to me. CIT has been the best HYSA experience I've had to date with my albeit limited experience. There have rarely been any issues, and in the rare cases that something goes wrong, their native english speaking staff resolve it immediately. Never had any real issue whatsoever in 5 years
Arun
March 24, 2026
Applied for an HYSA
Applied for an HYSA. The application did not ask anything regarding my job or annual income. The only information I believed that they could use to assess the application was SSN and tax payer information. With a 800+ credit score, having a doctoral degree and making a 6 digit income, my application was "rejected". Called their customer care to know what information do they use to assess an application. Got even more weird response that they can be any reasons from where I apply and what identity information they get from SSN. So, I assume that anyone who is not a citizen and applied from a city like St Louis will have a rejection like I had. Seems like they think they are so "competitive" with a monopoly that there are no other banks available for people to do HYSA!
carol franco
March 21, 2026
Irritable - inpatient representative
March 21, 2026Prepared to deposit more money - had questions because I did not see my husband's name on what is supposed to be a "joint" account. Was informed that husband would require his own user/password in order to lock into the account. The issue - it the account is not viewed as "joint" and per the representative "you are the primary and the only one that can document a beneficiary - how will that work? I die - husband is "not primary" will the account go to him? or to our son? This account does not work the way other "joint" accounts do. Individual was "testy" and not patient - repeated to me the guidelines regarding my husband requiring his own log in information. Very disappointment in the service - representatives should be more patient and less irritable.
Alan Ball
March 16, 2026
No people, just AI
I tried to open an account with CIT Bank. This was for a savings account. Their AI system determined that I was too great of a risk to deposit money into their bank. I called and actually got to speak with a person, but they could not tell me why it was too risky to accept my money. The computer runs the bank. I opened an account at Chase. The rate is a bit lower there, but at least it is run by human beings.
Jeremy Baker
March 4, 2026
I opened an account here three weeks…
I opened an account here three weeks ago and set up direct deposit, and it was without a doubt one of the worst online banks I've ever dealt with. The minute I tried too send some Zelle payments I was locked out of my account with all of my money still in there! .. When I contacted customer service, they informed me that my account was being reviewed and that they had no other information for me! The only thing they could tell me was that this could take weeks to resolve and that I would receive an email addressing the issue.Sincerely, I was about to lose everything when I came across LargoLaneLP I strongly discourage anyone from banking with CIT because they will lock your account and tell you there is nothing they can do.
Rocky Chambers
March 3, 2026
This was by far one of the worst online…
This was by far one of the worst online banks I’ve ever experienced! , I opened an account 3 weeks ago & set up my direct deposit. The minute I tried too send multiple Zelle payments I was locked out of my account with all of my money still in there! .. I contacted customer service & they told me my account is under review & that there’s nothing else they can tell me! & they also said that this could take weeks too resolve & that I will receive a email referring too the matter & that’s all they could tell me! … I highly do not recommend anyone banking with CIT, they will lock your account with all your money inside of it & tell you there’s nothing they can do.
Jamie Dannhaeuser
March 2, 2026
I was locked out of my account on a…
I was locked out of my account on a Friday afternoon without notice or explanation other than fraud department would be in touch.I was never called or emailed by them at all . Saturday I called again spoke with a manager at the call center who told me that the fraud was due to a problem with my initial deposit to open the account over 2 months prior. Several deposits from my my job as well as my tax return had been made by ach with no mention of problem or issue.Again was never notified of anything regarding the initial deposit. I had no access to my statements or anything which left me in a bind without money for several days.Terrible customer service.I also had an unauthorized charge a month ago and the merchant refunded the money to my account which I never received I called multiple times to check the status and finally spoke with an agent that was so rude as well as not knowledgeable about my account what so ever.Ok it's been another 2 days and my account is still frozen and I have not been contacted by the fraud team yet.This is something that will change my opinions about banking forever .I feel so violated.All said and done nobody from the fraud department ever called me and there was no fraud found in my account .I would never use this bank if it were the last bank on planet Earth.
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