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CIT Bank Platinum Savings: Try to move out money and receive APY boost offer

+67 Deal Score
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Hello
On a laptop via web browser, I tried to initiate outbound wire transfer from CIT bank for an entire balance whole amount and instantly got pop-up screen with offer to boost APY by 0.480% for 12 months.
Try to initiate wire transfer for an entire balance whole amount and see if you can get the same offer.
Good luck.

https://www.cit.com/
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Created 08-06-2025 at 03:24 PM by soloma
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Joined Dec 2014
L2: Beginner
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MikeekiM
08-07-2025 at 09:35 AM.
08-07-2025 at 09:35 AM.
FYI: I was already 8 months into another 12 month interest rate bonus promotion and ended up applying this new offer to my account.

Because I already was already on a promotion that bumped my rate by 0.429%, the new offer increased my rate by 0.051% (to bring my rate up to the +0.480 offer).

So if you are already in the middle of an existing promotion, you cannot stack the promotions, but you can replace it with the new one.
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Joined Aug 2025
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BeautifulPiranha587
08-07-2025 at 10:04 AM.
08-07-2025 at 10:04 AM.
duplicate
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Last edited by BeautifulPiranha587 August 7, 2025 at 10:07 AM.
Joined Aug 2025
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BeautifulPiranha587
08-07-2025 at 10:06 AM.
08-07-2025 at 10:06 AM.
How long before the deal actually shows up on "Account Details" page?
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Joined Dec 2014
L2: Beginner
> bubble2 96 Posts
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MikeekiM
08-07-2025 at 10:58 AM.
08-07-2025 at 10:58 AM.
Quote from BeautifulPiranha587 :
How long before the deal actually shows up on "Account Details" page?
The message I got after accepting the offer says that the new rate should should show up in 3 days.
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Joined Jun 2025
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FairWriter982
08-07-2025 at 11:36 AM.
08-07-2025 at 11:36 AM.
I tried on my mobile app and desktop, it's not showing up Frown
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Joined Dec 2014
L2: Beginner
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MikeekiM
08-07-2025 at 11:38 AM.
08-07-2025 at 11:38 AM.
Quote from FairWriter982 :
I tried on my mobile app and desktop, it's not showing up Frown
It'll show up. The last time I pulled the trigger on a similar promotion, it definitely took a day or two to show up in the account details.

Just remember that there are two confirmation points during the acceptance process. The first to to take the offer, the second is to confirm the offer.

If you worry that you didn't execute the acceptance correctly, just redo it again. It'll present the offer to you again and give you a redundant opportunity to accept and confirm the offer.
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Joined Jul 2005
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eds
08-07-2025 at 12:47 PM.
08-07-2025 at 12:47 PM.
Quote from MikeekiM :
FYI: I was already 8 months into another 12 month interest rate bonus promotion and ended up applying this new offer to my account.

Because I already was already on a promotion that bumped my rate by 0.429%, the new offer increased my rate by 0.051% (to bring my rate up to the +0.480 offer).

So if you are already in the middle of an existing promotion, you cannot stack the promotions, but you can replace it with the new one.
That's my exact same situation. And what you describe sounds exactly like stacking. The only problem is when the older promotion ends (mine was in Jan), the adjusted rate will drop accordingly.
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Last edited by eds August 7, 2025 at 12:48 PM.

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Joined Feb 2020
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> bubble2 260 Posts
Enzo954
08-07-2025 at 02:14 PM.
08-07-2025 at 02:14 PM.
As soon as Trump gets rid of Powell, all of us that have been taking advantage of these HYSA's are screwed. They'll start aggressively dropping the rates. The questions is.....Where is the best place to park our money after that happens?
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Joined Dec 2014
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MikeekiM
08-07-2025 at 02:16 PM.
08-07-2025 at 02:16 PM.
Quote from eds :
That's my exact same situation. And what you describe sounds exactly like stacking. The only problem is when the older promotion ends (mine was in Jan), the adjusted rate will drop accordingly.
Yeah, I guess my definition of "stacking" would be being able to get the full 0.480 bonus stacked on top of my previous 0.429 bonus.

The fine print says that if you take this bonus that it will supersede any previous bonus, which is exactly what happened.
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Joined May 2022
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CleverLeopard1054
08-07-2025 at 02:27 PM.
08-07-2025 at 02:27 PM.
Quote from nkl :
Yes, the published rate will change based on the market. This offer stated that the boost will apply to the next 12 months for whatever the new rate is +0.480%
No, what I'm saying is (and I just checked my statements) I was back down to 4.3% APR (market rate at that time) by March 2025 (was 4.8 in January). I moved my money elsewhere at this point so no further data to share, but expect shenanigans.
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Joined Dec 2008
L5: Journeyman
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MidnightX
08-07-2025 at 03:55 PM.
08-07-2025 at 03:55 PM.
Here are images of the pop-up (1) after selecting the transfer amount and the external account, and (2) the confirmation after choosing "Take this offer."
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Last edited by MidnightX August 9, 2025 at 05:14 PM.
Joined Aug 2006
L1: LearnerPro
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corrales201
08-07-2025 at 06:00 PM.
08-07-2025 at 06:00 PM.
Can someone post here, where to go in the account to confirm that the promotion is active, after you are done confirming everything. I'm trying to find on what tab, can I go into to see the confirmation.
I notice, That after i confirmed everything and activated the promotion, I try doing the transfer a second time, and the promotion promp comes up again, promption you to basically do the activation again. I just want to make sure is active
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Joined Jun 2018
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mail4aksingh
08-07-2025 at 09:30 PM.
08-07-2025 at 09:30 PM.
I opened my platinum savings account on 05/17 got bonus on 7/10 . I tried to transfer the amount out via different browser and app as well but no offer pop-up. Actually, I had to cancel the schedule transfer twice as I went all the way past 2fa.

Does this mean I am not eligible? Or too early to get second benefit?
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Joined Feb 2024
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Papi-Chino
08-07-2025 at 10:22 PM.
08-07-2025 at 10:22 PM.
Clicked on transfer. Selected my external linked bank. Then entered amount over 50% and that triggered the increase your interest rate message. Then clicked on accept offer & scroll down to bottom to confirm offer. Thanks OP 1 Kinobi.
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Last edited by Papi-Chino August 9, 2025 at 05:32 AM.

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Joined Sep 2004
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xxswishxx
08-07-2025 at 10:55 PM.
08-07-2025 at 10:55 PM.
Quote from Papi-Chino :
Clicked on transfer. Selected my external linked bank. Then entered amount over 50% and that triggered the increase your interest rate message. Then clicked on accept offer. Thanks OP 1 Kinobi.
Just did the same thing. Worked like a charm! Thank you OP!
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