CIT Bank $100 Checking Account Bonus (No Direct Deposit)

CIT Bank is offering up to a $100 bonus when open a new eChecking account and make a deposit within 30 days of account opening. This promotion is also available to existing CIT Bank eChecking account customers who deposit new funds to their account. Full details below!

This post may contain affiliate links, meaning I get a commission at no cost to you if you decide to make a purchase through my links. Visit this page for more information. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

CIT Bank eChecking $100 Bonus Offer

New and existing CIT Bank customers can earn up to a $100 bonus when they open and fund a new or fund an existing eChecking account using the promo code EC2025.

Only new funds deposited or transferred from outside of CIT Bank count toward bonus eligibility.

Bonus Step-by-Step Directions

1. Open a new eChecking account via this offer link.
2. Add promo code EC2025 during account application.
3. Make one or more deposits within 30 days of account opening that meets one of the bonus tier levels.

CIT Bank will calculate your bonus 30 days after you open your eChecking account (or enroll your existing account) and add the bonus amount to your account within 60 days of qualifying.

Offer Details

Availability: Nationwide
Expiration: Ongoing (none listed)
Household Limit: None
Direct Deposit Required: No
Hard/Soft Pull: Soft
ChexSystems: Yes (CIT is considered Chex sensitive)
Early Account Termination Fee: No

Bonus Terms & Conditions

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:

1. New customers must open an eChecking account with a valid Promo Code, “EC2025.” The Promo Code must be used at the time of account opening. Accounts opened during the program period without the Promo Code are ineligible to receive the bonus.
2. New customers must deposit at least $1,000 for a $50 bonus, or at least a minimum of $2,500 for a $100 bonus into the enrolled eChecking account within the first 30 calendar days following account opening (the “Funding Period”). The single or multiple deposit(s) of $1,000 or $2,500 or more used to fund the account must come from a funding source outside of CIT Bank. Transfers from existing CIT Bank accounts will not qualify. Funds already on deposit with CIT Bank are ineligible.
3. CIT Bank will deposit the qualifying bonus into the customer’s enrolled account within 60-days following the 30-day funding period.
4. The enrolled eChecking account must be open at the time of the bonus payment to qualify.

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:

1. Current customers with an eChecking account opened prior to the promotion may enroll their current eChecking account into the promotion using Promo Code EC2025 or open a new eChecking account via the enrollment web page using Promo Code EC2025. After opening or enrolling the account deposit at least $1,000 for a $50 bonus, or at least a minimum of $2,500 for a $100 bonus into their enrolled eChecking account within 30 calendar days (the “Funding Period”) from the date they enrolled or opened the account. All funds deposited to qualify for the bonus must be new funds from a source outside CIT Bank. Funds already on deposit with CIT Bank are ineligible.
2. Customers without an eChecking account open prior to the Promotion must open a new eChecking account with a valid Promo Code EC2025. The eChecking account Bonus Promo Code will appear on the online account opening enrollment web page. Deposit at least $1,000 for a $50 bonus, or at least a minimum of $2,500 for a $100 bonus into the account within the first 30 calendar days following account opening (the “Funding Period”). All funds deposited to qualify for bonus eligibility must be new funds from a source outside of CIT Bank. Funds already on deposit with CIT Bank are ineligible.
3. Customers who are not the Primary account owner on an eChecking account may be eligible to earn a $50 or $100 bonus by opening a new eChecking account as a Primary account owner with a valid Promo Code EC2025. Deposit at least $1,000 for a $50 bonus, or at least a minimum of $2,500 for a $100 bonus to the account within the first 30 calendar days following account opening (the “Funding Period”). The minimum $1,000 or $2,500 used to fund the account must come from a funding source outside of CIT Bank. Funds already on deposit with CIT Bank are ineligible. Transfers from existing CIT Bank accounts will not qualify.

There is a limit of one eChecking promotional offer per account and per Primary customer. If multiple eChecking accounts are opened, only one account per primary account owner is eligible.

Account Fees

There’s good news regarding account fees because there are none. CIT eChecking doesn’t charge a monthly service fee and has no minimum balance requirement. Additionally, there are no overdraft fees, mail check fees, or fees for online or incoming wire transfers.

There are some miscellaneous fees if you use extra services. The full schedule of fees can be found here.

The Bottom Line

Easy bonus with no direct deposit requirements should be appealing to many readers. Fee-free checking accounts rarely earn interest, so it’s nice that this eChecking does, even if it’s relatively small (0.10% for balances under $25,000 and 0.25% for balances $25,000+).