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CIT Bank Platinum Savings: Earn Up to $300 Bonus After Deposit Transfer Requirements Expired

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CIT Bank our partner, offers the following benefits with their Platinum Savings account. Use promo code PS2025.

New Customers: Deposit Transfer Requirements:
  • Transfer a one-time deposit of $25,000 -$49,999.99 for a Bonus of $225
  • Transfer a one-time deposit of $50,000+ for a Bonus of $300
  • Terms:
    • Promo Code: Account must be opened with a valid Promo Code within the Promotion Period.
    • Funding Period: 30 days from the account open date
    • Bonus fulfillment: 60-days from the funding date.
Details:
  • Must have a minimum daily balance of $5000 to earn 3.75% APY
  • No account opening or maintenance fees
  • Daily compounding interest to maximize your earning potential
  • FDIC insured
  • *See site for details
  • For a complete list of account details and fees, see our Personal Account disclosures.
Slickdeals may be compensated by CIT Bank
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Edited November 21, 2025 at 12:55 PM by
CIT Bank our partner, offers the following benefits with their Platinum Savings account. Use promo code PS2025.

New Customers: Deposit Transfer Requirements:
  • Transfer a one-time deposit of $25,000 -$49,999.99 for a Bonus of $225
  • Transfer a one-time deposit of $50,000+ for a Bonus of $300
  • Terms:
    • Promo Code: Account must be opened with a valid Promo Code within the Promotion Period.
    • Funding Period: 30 days from the account open date
    • Bonus fulfillment: 60-days from the funding date.
Details:
  • Must have a minimum daily balance of $5000 to earn 3.75% APY
  • No account opening or maintenance fees
  • Daily compounding interest to maximize your earning potential
  • FDIC insured
  • *See site for details
  • For a complete list of account details and fees, see our Personal Account disclosures.
Slickdeals may be compensated by CIT Bank
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Featured Comments

Big initial deposit required, but banks paying 4.3% on savings typically do not pay sign-up bonuses. Getting both a good rate and SUB is nice, and unusual.

No direct deposit games - nice. Finally, a bank that doesn't care where the money comes from.

The risk here is that you have to keep $5k in for 60-90 days to get the 4.3%, but CIT can lower the rate in that timeframe. However, CIT has historically had good rates on this account for quite a while - not at the very top of what is available, but certainly within shooting distance of the top. I would expect them to remain competitive.
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Live with parents.
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No avocado toast. Saving for home, etc
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Joined Sep 2010
L8: Grand Teacher
> bubble2 3,738 Posts
824 Reputation
misel00
07-24-2025 at 12:44 AM.
07-24-2025 at 12:44 AM.
Quote from DogAndPony View quoted comment :
Got my $300

Did the fake transfer to see if they would bump up my APY. I did not get that offer. LOL.

Canceled the transfer and will keep it with CIT. Their rate is around 4% which is still higher than most.
Your better off w/ the marcus 13 month NO penalty cd, where they just increased the rate to 4.15%, at least your guaranteed that rate for 13 months and can access your $$ any time after 7 days w/ no penalties... you can also open it and have 30 days to fund it while it locks that rate in for you... If rates go down this year , the 4.15% will look real good for 13 months!
Reply
Joined Sep 2008
L10: Grand Master
> bubble2 7,705 Posts
728 Reputation
DogAndPony
07-24-2025 at 06:16 AM.
07-24-2025 at 06:16 AM.
Quote from misel00 View quoted comment :
Your better off w/ the marcus 13 month NO penalty cd, where they just increased the rate to 4.15%, at least your guaranteed that rate for 13 months and can access your $$ any time after 7 days w/ no penalties... you can also open it and have 30 days to fund it while it locks that rate in for you... If rates go down this year , the 4.15% will look real good for 13 months!
I hadn't heard of this no penalty CD. That's interesting. Not sure I would bother opening a new account to gain .015% more interest, but good to know it exists. Thanks.
Reply
Joined Sep 2010
L8: Grand Teacher
> bubble2 3,738 Posts
824 Reputation
misel00
07-24-2025 at 06:39 AM.
07-24-2025 at 06:39 AM.
Quote from DogAndPony View quoted comment :
I hadn't heard of this no penalty CD. That's interesting. Not sure I would bother opening a new account to gain .015% more interest, but good to know it exists. Thanks.
It's not about getting the extra .15%, in a month 1-3 months they are going to lower rates, then cit will be 3.75% or lower. wouldn't you rather have a nice 4.15% for 13 months guaranteed? Opening a marcus account takes 5 minutes and the cd less then that.. if you need the money later , just open a few of them and you can redeem one of the cd'd any time you want as it's basically a liquid account w/ no penalties, best of both worlds.... what;s also nice is that all of this is done on there online site, opening , closing the cd's, funding it all done with a click of a button.. you never need to call , etc..
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Joined Sep 2008
L10: Grand Master
> bubble2 7,705 Posts
728 Reputation
DogAndPony
07-24-2025 at 01:45 PM.
07-24-2025 at 01:45 PM.
Quote from misel00 View quoted comment :
It's not about getting the extra .15%, in a month 1-3 months they are going to lower rates, then cit will be 3.75% or lower. wouldn't you rather have a nice 4.15% for 13 months guaranteed? Opening a marcus account takes 5 minutes and the cd less then that.. if you need the money later , just open a few of them and you can redeem one of the cd'd any time you want as it's basically a liquid account w/ no penalties, best of both worlds.... what;s also nice is that all of this is done on there online site, opening , closing the cd's, funding it all done with a click of a button.. you never need to call , etc..
It's not a bad deal, but seems like a hassle to chase rates that are less than half a point more. People were saying 6-12 months ago that in a month or two they would lower rates. It didn't happen. Not saying it won't this time, but nothing is certain with this market.
Reply
Joined Feb 2019
L3: Novice
> bubble2 158 Posts
26 Reputation
Frankot87
01-05-2026 at 03:47 PM.
01-05-2026 at 03:47 PM.
I moved my savings to SoFi, but they have lowered the APY from 3.8% down to 3.3%, which i don't feel it's entirely bad, however, would it be a good idea to have 2 savings and move money from SoFi to Citi Bank? Anyone has any comments or recommendations?
Reply
Joined Jul 2006
L4: Apprentice
> bubble2 350 Posts
15 Reputation
buzzking00
01-05-2026 at 03:54 PM.
01-05-2026 at 03:54 PM.
Free money, I took the offer, got the bonus, and closed the account
Reply
Joined Mar 2020
L1: Learner
> bubble2 23 Posts
14 Reputation
HilariousStraw1146
01-05-2026 at 04:09 PM.
01-05-2026 at 04:09 PM.
Quote from Wizard View quoted comment :
no, sorry new account member only.... How about a "maybe" (I read the entire offer) - see URL https://www.cit.com/cit-bank/plat...ngs/PS2025 [cit.com] (after info for new members, it has exceptions - Sorry about that, hope this helps.
This offer works for existing customers who already have a Platinum Savings account as well. I signed up for it before I even saw the Slickdeals Post. You have to read the fine print - basically use the link and sign into the site through the promotion link. It's easy from there.
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Joined Mar 2020
L1: Learner
> bubble2 23 Posts
14 Reputation
HilariousStraw1146
01-05-2026 at 04:11 PM.
01-05-2026 at 04:11 PM.
Quote from SlickBruin22 View quoted comment :
Love CIT- my wife has an account already. Think I could open in my name and get bonus?
This offer works for existing customers who already have a Platinum Savings account as well. I signed up for it before I even saw the Slickdeals Post. You have to read the fine print - basically use the link and sign into the site through the promotion link. It's easy from there.
Reply
Joined Nov 2017
Don't think, just buy
> bubble2 7,897 Posts
2,025 Reputation
Pro
Slick_Drone
01-06-2026 at 06:30 AM.
01-06-2026 at 06:30 AM.
This is only lukewarm, imo. Etrade by Morgan Stanley was doing $500 for $50k/$750 for $75k and it was 4% interest back in the summer.
Reply
Joined Nov 2017
Don't think, just buy
> bubble2 7,897 Posts
2,025 Reputation
Pro
Slick_Drone
01-06-2026 at 06:32 AM.
01-06-2026 at 06:32 AM.
Quote from Frankot87 View quoted comment :
I moved my savings to SoFi, but they have lowered the APY from 3.8% down to 3.3%, which i don't feel it's entirely bad, however, would it be a good idea to have 2 savings and move money from SoFi to Citi Bank? Anyone has any comments or recommendations?
Yes, I would split it up as long as they're all high-yield.
Reply
Joined Nov 2025
New User
> bubble2 5 Posts
10 Reputation
BeautifulIdea5555
01-13-2026 at 06:54 AM.
01-13-2026 at 06:54 AM.
Quote from buzzking00 View quoted comment :
Free money, I took the offer, got the bonus, and closed the account
How long you maintained the large balance (25K or 50K) after the initial deposit within 30 days? Also how long you kept the account open? Thanks!
Reply
Joined Nov 2025
New User
> bubble2 5 Posts
10 Reputation
BeautifulIdea5555
01-13-2026 at 02:58 PM.
01-13-2026 at 02:58 PM.
Do you have to keep the one-time deposit of 25K or 50K for the entire bonus fulfilment period (60-days from the funding date) if not how soon folks have taken the one-time deposit back?
Reply
Joined Feb 2019
L3: Novice
> bubble2 158 Posts
26 Reputation
Frankot87
02-02-2026 at 10:54 AM.
02-02-2026 at 10:54 AM.
I don't see the promo code anymore, is it expired?
Reply
Joined Dec 2008
L4: Apprentice
> bubble2 379 Posts
83 Reputation
Dominican1NYC
02-18-2026 at 07:15 PM.
02-18-2026 at 07:15 PM.
Quote from Frankot87 View quoted comment :
I don't see the promo code anymore, is it expired?
The offer expired on January 28.
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