Chase vs CIT Bank: Which Is Better?

Chase is one of the biggest banks in the Unites States, they offer everything from personal banking to mortgages to loans, as well as a popular range of credit cards.

Not to mention, they offer more checking options compared to other competitors.

Whereas, CIT Bank offers accounts for savings and multiple CDs, including a no-penalty CD.

There are no monthly service fees, but both the savings and money market requires a $100 minimum deposit while term CDs require a $1,000 minimum.

Continue reading below to see a side-by-side comparison between the two banks, so you can see which one offers the services you need the most.

	Chase	CIT Bank
Locations	Branches in Several States (Locator)	Online-only bank
ATMs	Chase ATMs nationwide
Savings	3.5/5	4.5/5
CD
Checking	4/5	4.5/5
Money Market		5/5
Customer Service	4/5	4/5
Mobile App	5/5	4.5/5
Pros	-Branches in many states -New customer coupons -Full service banking	-High yield -No monthly service fees -Low opening deposits
Cons	-Low interest rates – Not in all states	-No physical locations -No check writing
Bottom Line	Chase is a good choice if you’re looking for a bank with full range of service	CIT Bank is a good online bank that offers a good eChecking account and savings options.

Chase Bank Promotions

Chase Business CheckingChase Total Checking®

• Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities. • Multiple ways to connect with Chase. Get personal attention paired with a large-scale presence, including more than 4,900 local branches and 15,400 ATMs. Plus, bank on your phone with the Chase Mobile® app. • Chase for Business guidance you can count on. Access business insights and tools to help you grow. Meet with our team of bankers or go to our online Resource Center to find helpful information. • Chase Business Complete Checking does more for your business. Featuring multiple ways to pay and get paid, like built-in invoicing and card acceptance, Zelle®, and Tap to Pay on iPhone, to help improve your cash flow. • Waivable service fee. Multiple ways to waive the $15 Monthly Service Fee, like keeping a $2,000 minimum daily balance or making at least $2,000 in purchases per month with your Chase Ink® Business credit card. Apply Now at Chase

Read our review & latest Chase Business Checking offers and the latest bank deals from Chase

• New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities • Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere. • Chase Overdraft AssistSM – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day* • Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock. • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law. • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs. • Open your account online now • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. Open an Account

Read our full review of the Chase Total Checking® and the latest bank deals from Chase

CIT Bank Promotions

Compare to Other Banks

Chase Bank:

• Chase vs Bank of America
• Chase vs Fifth Third Bank
• Chase vs Wells Fargo
• Chase vs US Bank
• Chase vs PNC Bank
• Discover Bank vs Chase

CIT Bank:

• CIT Bank vs US Bank
• CIT Bank vs Ally Bank
• Ally Bank vs CIT Bank
• Synchrony Bank vs CIT Bank

Bottom Line

Which Bank is Better: Chase or CIT Bank?

In summary:

• Chase is a good choice if you’re looking for a bank with full range of services, physical locations, lots of ATMS, and good mobile banking.
• CIT Bank’s money market account is outstanding. They offer high rates without the balance requirements, so this is a good choice if you aren’t able to commit saving a certain amount each month.

For other banking options, see our list of the best bank account bonuses & savings account offers.

More on Chase Bank:

• What Are Chase Bank’s Hours?
• How To Find and Use Your Chase Bank Login
• What Do You Need to Open a Chase Bank Account?
• How To Order Checks via Chase: Online, Vendor Site or by Phone
• How to Set Up Chase Online Bill Pay
• How to Stop Payment for a Chase Check
• Chase Business Routing Number
• How to Stop Payment for a Chase Check

More on CIT Bank:

• What Are CIT Bank’s Hours?
• CIT Bank Routing Number
• How to Open CIT Bank Account
• Why CIT Bank is Trustworthy
• How To Use and Find Your CIT Bank Login

Chase Private Client Checking $3000 Bonus – Ends 10/15/25

Chase Total Checking Account $300 Bonus – Ends 10/15/25

50+ Best Business Bank Bonuses & Promotions – July 2025

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