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Frequently Asked Questions (FAQs)

Find the answers to your frequently asked questions below or contact us for more information.

General Account Questions

Is CIT Bank, N.A. FDIC insured?

Yes. You can find more information on FDIC insurance at www.fdic.gov. NOTE: CIT Bank, N.A. and OneWest Bank, a division of CIT Bank, N.A., are the same FDIC-insured institution. Deposits held under each name are not separately insured, but are combined to determine whether a depositor has exceeded the $250,000 federal deposit insurance limit, per depositor for each account ownership category. For purposes of calculating aggregate deposits held in CIT Bank, N.A., you should include deposits held in OneWest Bank.

What is the bank's routing number?

The bank’s routing number is 124084834. 

If you are a CIT Bank commercial, listing service, or institutional client, please call 877-748-0004 for the routing number to use for wire instructions.

How do you protect my account and my information?

Your account security is our priority. Visit our Fraud and Security page to learn more about our security measures, important steps and prevention tips.

How do I open a savings, money market or CD account?

It’s easy and fast. Get started by going to our Open a CIT Bank account page. Then follow the steps to complete your CIT Bank account application. Have the following information handy:

  • Social Security number
  • Driver’s license or other valid state identification
  • A check or your bank routing and account numbers from the account you’ll be using to fund your new CIT Bank account
  • Names and personal details (Social Security number, valid ID) of any joint account holders and/or designated beneficiaries



Can I manage my account online?

Yes. Once your account has been activated, you will receive an email with information and links to access and manage your account(s). You’ll be able to customize your Online Banking experience, review and update your account(s), view statements, and see recent activity.

How do I fund my savings, money market or CD account?

There are several ways to fund your account:

Electronic Fund Transfer

The easiest way to fund your account is to transfer funds electronically from your other bank accounts to CIT Bank. Our application process will walk you through this in a few simple steps (all you need is the information on a bank check from the institution holding your account). Funds may take up to two business days to be deposited to your account.

Check

If you want to fund your account by check, you can mail your check to:
CIT Bank, N.A.
Attn: Deposit Services
P.O. Box 7056
Pasadena, CA 91109-9699

Wire

If you prefer to wire money to fund a CIT Bank CD, please follow the instructions below instead. Please use the following information:

Bank Name: CIT Bank, N.A.
Bank Address: P.O Box 7056
Pasadena, CA 91109-9699
855-462-2652

CIT Bank Routing/Transit #: 124084834
Beneficiary Account#: Your Name
Your Address
Your Account Number (located on the confirmation email)

NOTE: If you are a CIT Bank commercial, listing service, or institutional client, please call us at 877-748-0004 for the routing number to use for wire instructions.

When does interest begin to accrue to my account?

Interest will begin to accrue no later than the business day we receive credit for your deposit.

Are there any fees for a CIT Bank account?

CIT Bank is your partner in savings. There are no account opening or monthly service fees for savings, money market or CD accounts. There may be fees associated with certain activities. The schedule of fees can be found on the Forms and Documents page on the website. 

How often is interest compounded and credited?

CIT Bank maximizes your earnings by compounding interest daily and crediting it to your account monthly.

How can I access the interest earned?

You can allow the interest earned to remain in your savings, money market or CD account and take advantage of the interest compounded daily.

If you have a CD, below are the methods to receive the interest payment:

  1. Leave the interest earned in the CD; or
  2. Deposit to an existing CIT Bank Savings account; or
  3. Set up Electronic Funds Transfer to deposit to an external checking or savings account.

Interest will be paid monthly. Interest earned and posted to the account can be withdrawn with no penalty.

How can I access my funds?

Account withdrawals can be done via electronic funds transfer (ACH) , outgoing wire transfer (there is a $10 fee for accounts with balances under $25,000) or you can request that we mail you a check. For savings and money market accounts, there is a limit of six (6) pre-authorized or automatic transfers or withdrawals, electronic banking transfers to other accounts or similar per statement cycle; however, withdrawal and transfer requests submitted by mail do not count toward the limit, nor do withdrawals requested by telephone if the funds are mailed to you in the form of a check. Early withdrawals from CDs may be subject to a penalty. Visit the CD section for more information. 

How can I make deposits to my account?

Deposits can be made via funds transfer (ACH), mobile deposit via our mobile app, incoming wire (no fee), or by mailing a check to us. There is no limit to the frequency of deposits.

How do I remove an External Transfer account?

To remove an external transfer account from your online banking profile, you will need to send us a secure message request from within your online banking or call the customer Contact Center. To process your request, you will need to provide the external bank name and the account number.

How do I edit or delete an External Transfer?

To delete or edit a scheduled external transfer, click on the “All” tabs within your online banking account followed by “Transactions”, and “Scheduled External Transfers”. Then select the “edit” or “delete” links next to the desired transfer to make your change.

What is an External Transfer?

An external transfer is a service that allows you to move funds between accounts you have with us and accounts you hold with another domestic financial institution.

Savings Builder Questions

What is a Savings Builder account?

The Savings Builder is an interest-bearing account that pays a tiered rate based on the stated qualifications.

What is the minimum to open the Savings Builder account?

The minimum to open the account is $100.

How can I qualify for the top APY tier?

All new Savings Builder accounts automatically earn the top APY tier through the first full Evaluation Period as an introductory offer, also known as the Introductory Period. At the end of the first full Evaluation Period, the account will be reviewed to determine if the qualifications have been met to retain the top APY tier. Accounts that do not qualify will earn the lower APY tier. 

The top APY Tier can be earned by completing one of following requirements:

A. Monthly Savers:  

  • Make at least one single deposit of $100 or more during the First Evaluation Period and every Evaluation Period thereafter. The First Evaluation Period begins on the third business day prior to the end of the month after the month the account was opened and ends at 4 p.m. Pacific Time on the fourth business day prior to the end of the following month. Thereafter, each Evaluation Period begins on the day after an Evaluation Day and ends at 4 p.m. on the next Evaluation Day.
  • Additional deposits made between the account opening date and the beginning of the first Evaluation Period will not qualify.


B. High Balance Savers: 

  • Have an account balance of $25,000 or more on each Evaluation Day. The Evaluation day is the fourth business day prior to the end of the month.

What is the Introductory Period?

The period of time from the account opening date through the first Evaluation Day. 

How do I qualify for the higher APY tier if my balance is less than $25,000?

Make a single deposit of $100 or more each month.

Does the initial minimum deposit of $100 count towards earning the higher APY tier?

No. The minimum opening balance does not qualify to earn the higher APY tier. Make an additional deposit of $100 or more during the first Evaluation Period and your account will qualify for the higher tier for the Evaluation Period following the introductory offer. And, all subsequent monthly deposits of at least $100 will qualify you to continue earning the higher APY. 

How is my APY tier determined?

Each Evaluation Day the account will be reviewed to verify if you have $25,000 in the account or made a single deposit of $100 or more during the Evaluation Period. If you have met either one of these requirements as of the Evaluation Day, you will earn the higher APY tier in the following Evaluation Period. This process will occur every month.

Is the higher APY tier determined by the average monthly balance of $25,000?

No, the balance must be $25,000 at the end of the day when the account is reviewed, also known as the Evaluation Day.

What happens if my Savings Builder account doesn’t meet either of the requirements to earn the higher APY tier after the introductory offer has expired?

The account APY will move to the lower tier for the next Evaluation Period.  You will have the opportunity to earn the higher tier for the following Evaluation Period by meeting the requirements by the next Evaluation Day. 

How can I make a monthly deposit of $100 to my account?

Deposits can be made via funds transfer (ACH), mobile deposit via our mobile app, incoming wire (no fee), or by mailing a check to us. There is no limit to the frequency of deposits.  

What are the definitions of an Evaluation Period and Evaluation Days?

Evaluation Period: Begins the day after an Evaluation Day and ends at 4:00 pm PT on the next month’s Evaluation Day. The First Evaluation Period will begin on the third business day prior to the end of the month of account opening. Additional deposits of $100 or more made between the account opening date and the start of the first Evaluation Period will not count for purposes of determining the interest rate after the Introductory Period, unless they result in an account balance of $25,000 or more.

Evaluation Day: Four business days before the end of the month (at 4:00 p.m. PT), the account is reviewed to determine your APY tier for the next Evaluation Period. This occurs monthly: see Evaluation Schedule below. 

When does my First Evaluation Period start and when is my First Evaluation Day?

The Savings Builder Introductory Period has been extended a full Evaluation Period for accounts opened on or after February 1, 2019.

After the Introductory Period is over what is the schedule for the Evaluation Days and Evaluation Periods?

What transfers and withdrawals are not subject to limitations?

Transfers and withdrawals not subject to the limitation:

  • Automatic loan payments to your CIT Bank or OneWest Bank loan
  • Transfers between a depositor's CIT Bank accounts if made by mail
  • Withdrawals requested by mail or telephone payable to the depositor and disbursed by check and mailed to the depositor.
  • Transfers into the account

What transfers and withdrawals are subject to the limitation?

Transfers and withdrawals are subject to the 6 per month limit if made by:

  • Preauthorized transfer
  • ACH
  • Telephone
  • Online banking
  • Wire Transfers 

Money Market Questions

What is a Money Market account?

The CIT Bank Money Market account is an interest-bearing account that pays a variable rate of interest and allows deposits, withdrawals and transfers including Bill Pay (currently not available - COMING SOON) and People Pay. Federal Regulation D limits certain transfers and withdrawals to a maximum of six (6) preauthorized or automatic transfers or withdrawals per statement cycle, see below for more information. The minimum to open an account is $100.

What is the difference between a Money Market account and a Savings Builder or Premier High Yield Savings account?

Each account may offer a different Annual Percentage Yield (APY). Another difference is that the Money Market account has more flexible access to funds through transaction features, such as People Pay and account-to-account options.

Is the Money Market account insured?

Funds in a CIT Bank Money Market account are FDIC insured. A Money Market account is different from a money market mutual fund or a money market fund, which are available from investment firms and similar companies, which are not insured by the FDIC.

What transfers and withdrawals are subject to the limitation?

Transfers and withdrawals are subject to the 6 per month limit if made by:

  • Preauthorized transfer
  • ACH
  • Telephone
  • Online banking
  • Wire Transfers 

What transfers and withdrawals are not subject to limitations?

Transfers and withdrawals not subject to the limitation:

  • Automatic loan payments to your CIT Bank or OneWest Bank loan
  • Transfers between a depositor's CIT Bank accounts if made by mail
  • Withdrawals requested by mail or telephone payable to the depositor and disbursed by check and mailed to the depositor.
  • Transfers into the account

Can I arrange for a specific dollar amount to be deposited automatically into my Money Market account?

Yes. You can arrange for direct deposits from outside sources into your account. (Direct deposits are set up by the institution or business sending the funds.) If you have other accounts with CIT Bank, you can arrange for interest from those accounts to be transferred into your CIT Bank Money Market account. 

Is there a minimum balance requirement for the Money Market account?

The Money Market account requires a minimum opening deposit of $100. There is no minimum monthly balance required.

Are there any fees associated with the Money Market account?

There are no account opening or monthly service fees; however, there may be fees associated with certain activities. The schedule of fees can be found on the Forms and Documents webpage. Here's a recap of the Money Market schedule of fees. 

What are the transaction limits on a Money Market account?

Does the Money Market have a debit card or checks?

There are no debit cards or checks with the Money Market account. Transactions are available via People Pay, a person-to-person payment feature; electronic funds transfer and requests via mail. Bill Pay is coming soon.

Can I open the Money Market account in a business name?

The CIT Bank Money Market is a personal account and cannot be opened under the name of a business.

Can I combine my deposit balance with my other account(s) to waive the wire fee?

No, balances from different accounts can’t be combined to waive wire fees. The fee is based upon the average balance of the account from which the funds are being wired.

Can the Money Market account be titled in the name of a trust?

At present, accounts cannot be titled in a trust.

What is Bill Pay and how does it work?

When available (coming soon) Bill Pay is a free service that will allow you to schedule payments to a third party from any CIT Bank Money Market  account by providing the third party name, account number, address and phone number. 

Certificates of Deposit (CDs) Questions

What happens to my account when my CIT Bank CD matures?

You will receive a notification 30 days before maturity to let you know that your CIT Bank CD is scheduled to mature. For your convenience, your CD will automatically renew for the same term (at the current rate in effect on the date of your renewal).  The exception to this are the 13-Month CD and the 18-Month CD; upon maturity, the 13-Month CD will be automatically renewed as a 1-Year Term CD at the then-published APY, and the 18-Month CD will be automatically renewed as a2-Year Term CD at the then-published APY. If you do not want your CIT Bank CD to renew automatically, please notify us up to 10 days after the maturity date. Simply call our Contact Center at 855-462-2652 or log in to CIT Bank and send us a secure message.

How do I receive my money once my CIT Bank CD matures?

It’s simple to receive your funds. Just sign in to your account and send us a secure message through the secure messaging portal, or call our Contact Center at 855-462-2652.

CIT Bank, N.A. 
Attn: Deposit Services 
P.O. Box 7056 
Pasadena, CA 91109-9699

You will have a 10-day grace period, starting with the maturity date, to make a withdrawal without being charged a penalty. If you do not contact us before the end of the grace period, requesting to receive your funds, we will automatically renew your CD at the original term and current rate.

Can I make additional deposits to my CD?

Not with traditional CDs; however, customers that have existing RampUp™ Plus CDs have the added flexibility to boost their deposit once within the term. These CDs are not available for new accounts.

Will my CD automatically renew?

Yes, all CIT Bank CDs automatically renew at maturity. When this happens, they renew at the same term and at the current market rate. The exception to this are the 13-Month CD and the 18-Month CD; upon maturity, the 13-Month CD will be automatically renewed as a 1-Year Term CD at the then-published APY, and the 18-Month CD will be automatically renewed as a 2-Year Term CD at the then-published APY. 

What is the grace period?

The CD grace period is 10 days, beginning on the date of maturity. The grace period allows you to redeem a CD and avoid an early withdrawal penalty.

  • The new CD may be backdated to the maturity date of the matured CD and earn interest at the current rate that was in effect on that date, as long as no additional funds were added to the deposit;
  • You may elect to have the new CD issued as of the date that you contact CIT Bank to redeposit the funds.

What are the penalties for Term, Jumbo, Ramp-Up and Ramp-Up Plus CDs?

PLEASE NOTE: CIT Bank provides a grace period of 10 calendar days for CD products, which is a period of time following the maturity of an automatically renewing CD. You are allowed to withdraw funds without being assessed a penalty during the grace period. For No Penalty CDs, early withdrawal of all funds including interest earned, without penalty, is permitted any time on or after the seventh day following the date on which the account was funded.

I have a No-Penalty CD. How do I access my funds?

You can make a request to access the total balance and interest earned on your No-Penalty CD as long as it is 7 days after the funds have been received. Call our Contact Center at 855-462-2652 or log in to CIT Bank or send us a secure message, and one of our Bankers will assist you.

Can I open a new RampUp™ or RampUp™ Plus CD or renew my current CD into the same CD and/or Term?

RampUp and RampUp Plus CDs are not available for new accounts. Customers with maturing RampUp and RampUp Plus CDs will learn about their options when they call the Contact Center (855-462-2652) during the maturing CD’s grace period. CDs that are not changed by the customer during the grace period will automatically roll into the same CD at the same term.

How are RampUp™ CDs different from traditional CDs?

The RampUp™ family of CDs are term CDs offering you the flexibility to raise your rate one time during the CD’s term if CIT Bank raises its rates on the RampUp™ family of CDs. And, in addition, the RampUp™ Plus CD offers the added advantage of allowing you to add to your initial deposit one time during the CD's term.

How does the option to increase the interest rate on a Ramp Up™ CD work?

If CIT Bank raises its rates on a CD in the Ramp Up™ series and you choose to exercise the option to raise your rate, the new rate is not retroactive and will apply for the remaining term of your CD. You are allowed to exercise this option one time during the CD's term.

How will I know if CIT increases the rates offered on RampUp™ Plus CDs?

The current rate and APY for CIT Bank's RampUp™ and RampUp™ Plus CDs are always available on the Product and Rate guide on the Forms and Documents page on our website. We will not provide any notice to you if our interest rates change. It is your responsibility to monitor the interest rates so you can choose if and when to exercise the option to increase the rate for your CD.

Will the interest rates CIT Bank offers on the RampUp™ and RampUp™ Plus CDs always increase or decrease with changes in market interest rates?

No. While the market interest-rate environment is a factor in how CIT determines the rates it offers, there are other factors that are taken into consideration as well. THE AVAILABILITY OF THE OPTION TO INCREASE THE RATE ON A RAMPUP™ and RAMPUP™ PLUS CD NEITHER IMPLIES NOR GUARANTEES THAT CIT BANK WILL INCREASE THE INTEREST RATE FOR THESE PRODUCTS DURING THE TERM OF THE CD.

When can I add to the initial deposit on my RampUp™ Plus CD?

You can add to your initial deposit once, at any time, during your term. The additional deposit is not tied to a rate increase. However, CIT Bank reserves the right to limit that one-time additional deposit to $250,000.

When can I boost the rate on my RampUp™ Plus or RampUp™ CDs?

If CIT Bank increases the interest rate on the RampUp™ and RampUp™ Plus CD at any time during the original term of your RampUp Plus or RampUp CD, you may choose to take advantage of the higher rate; however, this option can only be exercised once during your CD term.

Is there a rate cap on RampUp™ Plus and RampUp™ CDs?

A new rate cap went into effect on June 1, 2015, for RampUp™ CDs and RampUp™ Plus CDs originated on or after that date. It limits the option to increase your APY to twice the amount of the initial APY, less 0.05%.

Will my existing RampUp™  Plus  and RampUp™ CD be affected by the rate cap?

Any RampUp™ Plus and RampUp™ CD account that was originated before June 1, 2015, is exempt from the rate cap until its first maturity date occurring on or after June 1, 2015. If at the time of that maturity, you choose to rollover your maturing RampUp™ Plus and RampUp™ CD, either into a new RampUp™ Plus and RampUp™ CD OR let your current RampUp™ Plus and RampUp™ CD automatically renew, then your new RampUp™ Plus and RampUp™ CD will be subject to the new rate cap.

Custodial Accounts Questions

What is a Custodial Account?

It is an account under the Uniform Transfer to Minors Act (UTMA) held by an adult guardian on behalf of a minor child. 

Which CIT Bank products can be held in a Custodial Account?

All CIT Bank products can be set up as Custodial Accounts.

How do I open a Custodial account?

From the home page, click on the “Open an account” at the upper right corner. When prompted to pick an account type, choose “Custodial Account” from the drop-down menu. Have the following information ready:

  • Social Security number
  • Driver’s license or other valid state ID
  • A check or your bank account routing and account numbers from the account you’ll use to fund your new CIT Bank account
  • Information about the minor for whom you intend to open the account

Who has control of the assets in a Custodial account?

As the custodian, you have control of the account on the child’s behalf; the child may not make withdrawals or use the money without your approval. Upon reaching the age of majority, the custodian is responsible for releasing the funds to the former minor.

Can I make withdrawals from a Custodial account that I've opened?

Any money placed in a Custodial account is considered an irrevocable gift. The custodian is responsible for managing the funds for the benefit of the minor.

What are the benefits of Custodial accounts?

A Custodial account offers flexibility and potential tax savings. Consult a tax advisor for more information.

Privacy Questions

What is the CIT Bank, N.A. privacy notice?

Our privacy notice explains our customer information–sharing practices. The privacy notice for CIT Bank, N.A. is provided to you during the account opening process and annually thereafter if there are material changes. The following are answers to frequently asked questions about the CIT Bank, N.A. privacy notice and customer information-sharing practices.

Does the privacy notice apply to me?

Our privacy notice applies to anyone who has opened an account or received a service from any of the following companies/divisions of CIT Group Inc.:

  • CIT Bank, N.A.
  • One West Bank, a division of CIT Bank, N.A.

Why does CIT Bank, N.A. collect my personal information?

We collect certain personal information to fulfill legal and regulatory obligations for everyday business purposes. In addition, personal information allows us to serve you better. For example, verifying your identity helps us detect fraud, streamline your transaction process, and maintain your account. It also helps us to tailor marketing programs and offer products and services that may meet your needs.

Will I receive a privacy notice each year?

No. our privacy notice is always posted on the Privacy Pages on our website. You will only be notified if there have been any material changes made to our Privacy policy. For more information view the Privacy Policy on the website.

Zelle® Frequently Asked Questions (FAQs)

What is Zelle®?

Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.1 With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.2

Who can I send money to with Zelle®?

You can send money to friends, family and others you trust.2 Since money is sent directly from your bank account to another person’s bank account within minutes, it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number.1

How do I use Zelle®?

You can send, request, or receive money with Zelle. To get started, log into the CIT Bank mobile app, tap the plus sign (+) in the main menu, then select “Send Money with Zelle®.” Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you’re ready to start sending and receiving with Zelle.

To send money using Zelle, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes.1

To request money using Zelle, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request.”2

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.

Someone sent me money with Zelle®, how do I receive it?

If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes.1

If you have not yet enrolled with Zelle, follow these steps:

  • Click on the link provided in the payment notification you received via email or text message.
  • Select CIT Bank.
  • Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle using that email address or U.S. mobile number to ensure you receive your money.

What types of payments can I make with Zelle®?

Zelle is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.2

Since money is sent directly from your bank account to another person’s bank account within minutes, Zelle should only be used to send money to friends, family and others you trust.1

Neither CIT Bank nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Are there any fees to send money using Zelle®?

CIT Bank does not charge any fees to use Zelle.2

How do I get started?

It’s easy — Zelle is already available within CIT Bank mobile banking app! Check our app and follow a few simple steps to enroll with Zelle today.

What if I want to send money to someone whose bank doesn’t offer Zelle®?

You can find a full list of participating banks and credit unions live with Zelle here.

If your recipient’s bank isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.

To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.

How does Zelle® work?

When you enroll with Zelle through the CIT Bank app, your name, the name of your bank, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with CIT Bank). When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its “directory” and notifies CIT Bank of the incoming payment. CIT Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

Can I use Zelle® internationally?

In order to use Zelle , the sender and recipient’s bank accounts must be based in the U.S.

Can I cancel a payment?

If your recipient has not yet enrolled with Zelle, the payment will remain pending and the money will not move from your account. If the recipient does not enroll within 14 days, the payment will expire, and the transaction will need to be made again.

If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back.

If you aren’t able to get your money back, please call us toll-free, excluding holidays, at (855) 462-2652: 
Monday – Friday, 8 a.m. to 9 p.m. (ET)
Saturday, 9 a.m. to 5 p.m. (ET)
Sunday, 11 a.m. to 4 p.m. (ET)

How long does it take to receive money with Zelle®?

Money sent with Zelle is typically available to an enrolled recipient within minutes.1

If you send money to someone who isn’t enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient’s account, typically within minutes.1

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number.

If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please call us toll-free, excluding holidays, at (855) 462-2652:
Monday – Friday, 8 a.m. to 9 p.m. (ET)
Saturday, 9 a.m. to 5 p.m. (ET)
Sunday, 11 a.m. to 4 p.m. (ET)

Will the person I send money to be notified?

Yes! They will receive a notification via email or text message.

Is my information secure?

Keeping your money and information safe is a top priority for CIT Bank. When you use Zelle within our mobile app, your information is protected with the same technology we use to keep your bank account safe.

I’m unsure about using Zelle® to pay someone I don’t know. What should I do?

If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither CIT Bank nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

What if I get an error message when I try to enroll an email address or U.S. mobile number?

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Upon enrollment you may reassign your previously enrolled email address or U.S. mobile phone number to CIT Bank so you can use it for Zelle .