Banking » Compare Banks » CIT Bank vs American Express: Which Bank Account Is Better For You?
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CIT Bank vs American Express: Which Bank Account Is Better For You?

While CIT Bank lacks a credit card option, it does have a decent eChecking account, mortgages, and home loans. However, American Express has personal loans and an impressive choice of credit card options.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Table Of Content

When CIT Bank Wins?

CIT Bank is in line with a conventional high street bank as it has multiple savings accounts, an eChecking account, CDs, mortgages, and home loans.

The only obvious gaps in the product line are a lack of a credit card option or personal loans.

CIT Bank can be a better choice than American Express if:

  • You want to have a savings account, checking account, and mortgage with the same bank.

  • You have the $1,000 minimum deposit and want a shorter term CD

  • You’re happy to link your checking account to obtain better savings rates

CIT-Bank-Logo
CIT-Bank-Logo

When American Express Bank Wins?

American Express began as a credit card company, but in recent years, it has developed a more complete banking product line.

In addition to its numerous credit card options, you can access savings accounts and personal loans. However, if you want a full service bank, American Express does lack a checking account or mortgage options.

American Express can be a better choice than CIT Bank if:

  • You are looking for good savings rates

  • You want access to far more credit card options to better tailor your choice to your spending preferences.

  • You want incentives for taking on a longer term CD

  • You have an Amex credit card

American Express
American Express
CIT Bank
American Express
Savings Accounts
Checking Accounts
CDs
Money Market Account
Debit Card
Credit Cards
Personal Loans
Mortgage
Government Mortgage
Business Loans
Investing Capabilities

Savings Account

CIT Bank has a few saving account options. Savings Connect is a two-tier account, with a higher rate – 4.45% APY. The other savings account option is Savings Builder which offers lower rate.

On the other hand, American Express has a high yield savings account with up to 9 withdrawals per month. Other than that there are no requirements or minimum deposits. Yet, you can earn 4.30%, as of April 2024. 

This means that you don’t need to link any accounts or maintain a particular balance to earn similar rates to CIT Bank. You'll need to compare based on your own preferences to understand what's the right savings plan for your needs.

CIT Bank
American Express
APY
4.45%
4.30%
Fees
$0
$0
Minimum Deposit
$100
$0
Checking Needed?
No
No
Main Benefits
  • Other saving account options available
  • Daily compounding interest
  • Up to 9 transfers or withdrawals per month
  • Option for paper monthly statements

Checking Account

CIT Bank’s eChecking account is an interest bearing account offering 0.10% to 0.25%. The account is virtually fee free, as you’ll only incur any fees if you have returned items, stopped payments, or wire transfers. CIT Bank even offers up to $30 in fee reimbursements if you incur fees when using other bank’s ATMs.

On the other hand, American express has recently launched its checking account, and offers a couple of great features for its customers – 1.00% APY on your cash, no minimum deposit and no fees.  If you already have a Membership Rewards card, your checking account is likely to be linked to your Rewards account immediately.

While the number of reward points you may earn with your Rewards Checking debit card is less than with many American Express credit cards, one unique benefit is that you can combine the points you earn with all of your American Express products. Also, much as with your Amex credit card, you may transfer your points to Amex travel partners to obtain the most value rewards.

CIT Bank
American Express
APY
0.10% – 0.25%
1.00%
Fees
$0
$0
Minimum Deposit
$100
$0
Main Benefits
  • Interest rate goes up to 0.25% if you exceed the $25k tier
  • No ATM/maintenance fees
  • Mobile check deposits
  • Transfer, pay and purchase via mobile with Zelle®, Bill Pay, Samsung Pay and Apple
  • Combine Rewards Points
  • Mobile Check Deposit
  • Transfer Points to Travel Partners
  • Purchase Protection, Large ATM Network

Compare CDs

Amex has lower minimum deposit, but CIT rates are a bit higher than what you can get with American Express. Here's a comparison:

American Express
CIT Bank
Minimum Deposit
$0
$1,000
APY Range
Up to 4.75%
0.30% – 3.50%
APY 6 months
/
3.00%
APY 12 months
4.00%
3.50% (13 months)
APY 24 months
4.00%
3.00% (18 months)
APY 36 months
3.00%
0.40%
No Penalty CD
11 months, 3.50% APY

Mortgage Options

CIT Bank offers various mortgage deals, with fixed rate mortgages for up to 30 year terms, and portfolio interest only loans. Qualified borrowers may also secure a 30 year fixed rate interest only loan.

However, a nice touch is that CIT offers customers cash back when you close on a new home loan. You can receive up to $525 in cash back, and there are also relationship discounts of up to 0.20%.

However, American Express does not currently offer mortgage products.

Loan Options

In this area of comparison, the reverse is true. While CIT Bank does not offer personal loans, American Express offers personal loans of up to $40,000 for eligible Card Members.

These loans have fixed interest rates and have no prepayment penalties or origination fees. The application process is quick and you will receive a decision within seconds.

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Top Offers From Our Partners

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Promotion:
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With Chase Overdraft AssistSM, you won’t be charged 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

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Fees:
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Up to 3.30% APY
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• Receive a cash bonus of $2,000 when you deposit or invest $200,000 – $299,999.99

• Receive a cash bonus of $2,500 when you deposit or invest $300,000 – 499,999.99

• Receive a cash bonus of $3,500 when you deposit or invest $500,000+

• Earn an extra $500 when you set up recurring monthly Direct Deposits totaling at least $5,000 for 3 months
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The product offers that appear on this site are from companies from which this website receives compensation.

Credit Cards

American Express established its reputation as a credit card provider, so as you would expect the bank still offers an impressive choice of Amex card options.

There are a number of reward card options, with the most popular being the Platinum, Gold, and Green card that offer 5x, 4x, and 3x points respectively. Each card has an annual membership fee of $695, $250, and $150 respectively. However, there are other reward card options including Amex EveryDay, and Amex EveryDay Preferred.

American Express also has cash back cards including the Blue Card Preferred, which has no annual fee for the first year. There is also the Blue Cash EveryDay and Cash Magnet, which have no annual fee. Depending on the card choice, you can earn up to 6% in cash back.

The bank also has Hotel and SkyMiles cards, but for those with a less than perfect credit score, there is the prepaid Serve card. This card has no hidden fees or credit check. While there is a $6.95 monthly fee, you can have this waived if you have a $500+ direct deposit to your account during the statement period.

On the other hand, CIT Bank does not currently have a credit card option.

Customer Service

CIT Bank allows you to access customer support online or using its 24 hour automated telephone banking system. However, if you do want to speak to a customer service agent, the lines are only open 9 am to 9 pm Monday to Friday and 10 am to 6 pm on Saturdays.

American Express offers 24/7 customer support online or on the phone, so if you have a query or need help, you can easily access the customer service team.

However, the ratings on the consumer review platforms are more of a mixed bag. While CIT Bank has a great 3.8 out of 5 rating on Trustpilot, American Express has a 1.7 out of 5 rating.

Online/Digital Experience

Both CIT Bank and American Express have apps to enhance the customer’s digital experience. CIT’s app is rated 4.6/5 for Apple and 4.2/5 for Google. The AMEX app is available for iOS and Android with a rating of 4.9/5 and 4.2/5 respectively on the Apple Store and Google Play.

Both apps allow you more control over your account, with 24/7 access to manage your transactions, make transfers, lock your card and receive notifications.

The bank’s websites are helpful and enhance the customer’s digital experience. You can browse the available products and compare options, if you’re unsure which is the best choice for you.

Which Bank is The Winner?

With both banks offering similar products, we need to look a little more closely at which bank is better.

While CIT Bank lacks a credit card option, it does have a decent eChecking account, mortgages, and home loans. However, American Express has personal loans and an impressive choice of credit card options.

CIT-Bank-Logo

American_Express

The Smart Investor Logo
APY Savings The annual percentage yield (APY) is a percentage that represents the amount of money or interest earned on your savings account over the course of a year. The APY factored in compound interest. A savings calculator can help you quickly determine how much you'll earn with a given APY.
4.45%
4.30%
Up to 5.02%
Checking Fee The monthly fee on checking account
$0
$0
Compare Banking
Mobile App Rating
4.6/5 on iOS
2.5/5 on Android
4.9/5 on iOS
4.1/5 on Android
Various Banks
Open Account
on CIT website
Open Account
on Amex website
Compare
on our website

FAQs

American expresss promotions are a but limited when it comes to banking promotions. However, there are many credit cards promotions available as well as very competitive rates on both savingsa and checking accounts.

As of April 2024, CIT Bank doesn't give new clients a bonus for opening a checking or savings account. If you're looking to get a bank promotion, check out our best banking bonus and promotions guide.

CIT Bank has a history dating back to 1908, but it has a checkered past when it comes to adverse economic times. During the 2007/2008 financial crisis, CIT Bank struggled. Despite receiving $2.3 billion in federal bail out funds, the company struggled to stay afloat. In fact, in 2009, the bank filed for bankruptcy. It took until 2017 for the bank to come out of the other side of Chapter 11.

The bank has now streamlined its product line and today has holdings of approximately $50 billion. So, it should be ready to handle the situation if we do slip into a recession.

CIT Bank does not offer investment products, including gold stock and other gold products. So, if you are looking for a bank that offers day to day banking facilities and investments, CIT Bank is not likely to be the best option for you.

You may be better suited to another bank or use CIT along with a third party investment platform.

Unfortunately, American express doesn't offer checking accounts at this moment. The main advantage is their savings account, since its rate is one of the highest in the market.

American Express offers a lot of options when it comes to credit cards. If you're looking for a travel rewards, the Platinum and the Gold cards can be a good option.

If you're not a big spender you can apply for the Everyday or the Blue Cash Preferred card, both provide nice rewards for the average customer. 

CIT Bank vs American Express: Comparison Methodology

In our detailed comparison, The Smart Investor team thoroughly looked at CIT Bank and American Express in five main areas:

  1. Checking Accounts (30%): We checked things like direct deposit, debit card availability, monthly fees, ATM and branch access, check deposit, bill pay options, and account alerts. We also considered any special offers for customers.

  2. Savings Accounts including CDs (20%): We focused on important stuff like how much interest you can earn (APY), the smallest amount you need to open an account, how flexible the accounts are, and if they're insured by FDIC. We also looked at special savings offers, different types of CDs, and any fees for taking money out early.

  3. Credit Cards (15%): We looked at what rewards you get, how much the card costs each year, any bonuses you get for signing up, perks for traveling, how much interest you pay on balances, and if you can transfer balances from other cards.

  4. Lending Options (15%): We checked out the different kinds of loans they offer, like personal loans, student loans, mortgages, and loans where you use your home as collateral.

  5. Customer Experience And Bank Reputation (20%): We looked into how easy it is to use their online and mobile banking, how helpful their customer support is, what people say about them online, any awards they've won, and how stable they are financially. This gave us a good idea of what it's like to be a customer and how much people trust them.

Compare American Express Bank

Discover Bank is a full-service online bank as well as a provider of payment services. Discover can be used for banking and retirement planning by individuals. Discover is best known for its credit cards with rewards, but it also provides personal, student, and home equity loans.

American Express is one of the world's most well-known credit card brand names. Customers can get a personal banking solution from American Express National Bank, which offers online savings and CD options. Personal savings accounts have a high potential yield. They do not, however, provide as many products as Discover Bank does.

Read Full Comparison: Discover vs American Express: Which Bank Account Is Better?

Capital One is a premium online banking service that offers convenient, dependable service and physical locations to anyone looking for them. Capitol One 360, in addition to providing a trustworthy and dependable service, has no hidden fees or minimums, allowing you to continue earning interest on your daily money. There are over 38,000 fee-free ATMs and over 2,000 Capital One ATMs to meet your money access needs.

American Express is one of the world's most well-known credit card brand names. Customers can get a personal banking solution from American Express National Bank, which offers online savings and CD options. Personal savings accounts have a high potential yield. American Express National Bank is a respectable, secure banking option that does not offer any extra features but does offer the most important one.

Read Full Comparison: American Express vs Capital One: Which Bank Is Better For You?

Although Chase Bank has a modern, trendy image, it is one of the oldest banks in the United States. JP Morgan Chase's consumer division, Chase Bank, is one of the largest banks in the United States. Even though its interest rates aren't particularly competitive when compared to online banks and credit unions, loyal Chase customers who keep a significant amount of money with the bank can earn slightly better rates.

American Express is best known for its credit card business. The financial services firm, on the other hand, has a banking subsidiary that offers high-yield savings and CD accounts. For those looking to save money with a well-known financial institution, the American Express High Yield Savings Account is a popular option.

Read Full Comparison: American Express vs Chase Bank

The Citi checking account is a fairly standard product. The account does have a $12 monthly fee, but it is waived if you make a qualifying deposit or make a qualifying bill payment. Overdraft protection is also available, which automatically transfers funds from your savings account to avoid overdraft fees.

Because the American Express savings account has a high yield, the number of withdrawals or transfers you can make each month is limited to nine. It's also a nice touch that American Express allows you to choose paper statements if you prefer the old-fashioned way.

Read Full Comparison: American Express vs Citi: Where to Save Your Money?

While Amex has a decent checking account and better credit card options, Ally's CD and lending options are superior. Here's our comparison: American Express Bank vs. Ally Bank

For most consumers, Bank of America may be a better option. American Express is a solid option for customers with higher wealth. Here's why.

American Express Bank vs. Bank of America: Which Bank Account Is Better?

Chase Bank is our winner, while Amex and Chase offer great banking services and credit card portfolios. Here's our side-by-side comparison: American Express Bank vs. Chase Bank

While PNC Bank is a brick-and-mortar bank, American Express Bank's is an online bank. Let's compare their banking products side by side: American Express Bank vs. PNC Bank

U.S. Bank is one of the largest brick-and-mortar banks in the US, while Amex Bank is among the best online banks. Let's compare them: U.S. Bank vs. American Express Bank

Our preferred choice is American Express, which provides a comprehensive banking package that outshines Truist Bank. Here's how they compare: Truist Bank vs. American Express Bank

While TD offers a better selection of checking accounts and lending options, Amex is a great option for online banking. How do they compare? American Express Bank vs. TD Bank

American Express and HSBC focus on serving wealthier customers by providing services and features beyond the standard. How do they compare? American Express Bank vs. HSBC Bank (USA)

Amex comes out on top with a solid checking option (which Barclays doesn't have), an excellent savings account, and great credit cards.

Barclays Bank vs. American Express Bank: Which Bank Account Is Better?

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Savings Rate: 5.21% APY
Minimum Deposit:
$0
 
CIT-Bank-Logo
Savings Rate: 4.45% APY
Minimum Deposit:
$5,000
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Savings Rate: 4.50% APY
Minimum Deposit:
$100
 
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Lorraine Smithills

Lorraine Smithills

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
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Savings Rate: 5.21% APY
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Savings Rate: 4.45% APY
Minimum Deposit:
$5,000
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Savings Rate: 4.50% APY
Minimum Deposit:
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Chase_logo

Promotion:
$300 New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account and make direct deposits totaling $500 or more within 90 days of coupon enrollment.. Expired on 7/24/2024
Chase Overdraft Assist
With Chase Overdraft AssistSM, you won’t be charged 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

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Fees:
No monthly fees No monthly fees and no overdraft fees. Plus get reimbursed for ATM fees with an active account 
Rewards:
Up to 2% cash back Up to 2% cash back on common everyday expenses for active accounts with monthly $1,000 direct deposit, and up to 1% cash back for other purchases 
Promotion:
$300 Use Promo Code “AXOS300” for a $300 bonus when you apply for a Rewards Checking account
Up to 3.30% APY
to get the maximum rate (up to $50,000) you’ll need monthly direct deposits of $1,500 (0.40% APY), 10 transaction on your debit card (+0.30% APY), average daily balance of $2,500 on Axos Invest Managed Portfolio (+1.00% APY), average daily balance of $2,500 on Axos Invest Self Directed Trading Account(+1.00% APY) and make full monthly payment on loans (mortgage, personal and auto) with Axos account (+0.60% APY).

PNC bank logo

Promotion:
Up to $400 Open a new, select Virtual Wallet product and receive $500/$2,000/$5,000 or more in qualifying monthly direct deposits within 60 days to earn a $100/$200/$400 bonus.
Subject to state availability
PNC Virtual Wallet ® is available in AL, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KY, MD, MI, NC, NJ, NY, NM, OH, PA, SC, TX, VA, WI, and WV. Virtual Wallet ® is offered in the state of MO with the exception of the Greater Kansas City area. Product availability may vary based on where you open your account and the Zip code of your primary address.

Promotion:
Up to $4,000 New customers may earn up to $4,000 when they open an eligible HSBC Premier checking account from January 8, 2024 through March 27, 2024 and complete qualifying activities:

• Receive a cash bonus of $1,500 when you deposit or invest $100,000 – $199,999.99

• Receive a cash bonus of $2,000 when you deposit or invest $200,000 – $299,999.99

• Receive a cash bonus of $2,500 when you deposit or invest $300,000 – 499,999.99

• Receive a cash bonus of $3,500 when you deposit or invest $500,000+

• Earn an extra $500 when you set up recurring monthly Direct Deposits totaling at least $5,000 for 3 months
Wealth Products & Advice
Get access to wealth products, insights and advice from an HSBC Financial Professional through HSBC Securities (USA) Inc
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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