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CIT Bank Platinum Savings: Try to move out money and receive APY boost offer
Hello
On a laptop via web browser, I tried to initiate outbound wire transfer from CIT bank for an entire balancewhole 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 balancewhole amount and see if you can get the same offer.
Good luck.
https://www.cit.com/
On a laptop via web browser, I tried to initiate outbound wire transfer from CIT bank for an entire balance
Try to initiate wire transfer for an entire balance
Good luck.
https://www.cit.com/
Created 08-06-2025
at 03:24 PM
by soloma
in
Financial Tools & Services
(5)
CIT Bank
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88 Comments
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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.
Could be because I am a new customer of maybe 3 months
Or
Could be I have pending balance along with available balance. Will try again after the pending changes to available in 3 days.
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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
Works perfect
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.
The fine print on the new offer is confusing. It states your interest rate increase is 0.051%, which brings your new rate up to the promotional rate 4.402%. When the rate changes in the future, your new rate will be the current interest rate + your interest rate increase of 0.051%. Which means you would lose out on 0.429%.
I hope I am wrong and the promotional interest rate increase will remain at an additional 0.48% for 12 months. Can anyone confirm?
Fine Print:
We will increase your interest rate by 0.096% for the next 12 months.1
That means your current new interest rate will be 4.402% and your APY will be 4.50% when your account balance remains $5,000.00 or greater. The current new interest rate will be 0.346 and the APY will be 0.35% when your account balance falls below $5,000.00.2
If the standard, published interest rate on the account changes, your interest rate will move with it, remaining 0.096% higher than the published interest rate tiers for the next 12 months.
1This interest rate increase and 12-month period will replace any previous interest rate increase that may be in place on your account. It will not be added to any previous offers that you may have accepted.
The fine print on the new offer is confusing. It states your interest rate increase is 0.051%, which brings your new rate up to the promotional rate 4.402%. When the rate changes in the future, your new rate will be the current interest rate + your interest rate increase of 0.051%. Which means you would lose out on 0.429%.
I hope I am wrong and the promotional interest rate increase will remain at an additional 0.48% for 12 months. Can anyone confirm?
The fine print on the new offer is confusing. It states your interest rate increase is 0.051%, which brings your new rate up to the promotional rate 4.402%. When the rate changes in the future, your new rate will be the current interest rate + your interest rate increase of 0.051%. Which means you would lose out on 0.429%.
I hope I am wrong and the promotional interest rate increase will remain at an additional 0.48% for 12 months. Can anyone confirm?
Fine Print:
We will increase your interest rate by 0.096% for the next 12 months.1
That means your current new interest rate will be 4.402% and your APY will be 4.50% when your account balance remains $5,000.00 or greater. The current new interest rate will be 0.346 and the APY will be 0.35% when your account balance falls below $5,000.00.2
If the standard, published interest rate on the account changes, your interest rate will move with it, remaining 0.096% higher than the published interest rate tiers for the next 12 months.
1This interest rate increase and 12-month period will replace any previous interest rate increase that may be in place on your account. It will not be added to any previous offers that you may have accepted.
But honestly, I think it's an auto generated fine print term and condition page that is grabbing from incorrect information. I am pretty confident that 12 months at the additional 0.480% is going to ultimately be honored by CIT bank.
If not, it's a first world problem and I'll just live with the consequences.
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