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Chime vs CIT Bank checking

Chime and CIT Bank checking side by side: fees, minimums, interest, ATMs and overdraft.

APY

Chime: No checking APY stated
CIT Bank: 0.25% APY with $25,000+ balance; 0.10% below (APY field shows the top tier)

Monthly fee

Chime: $0
CIT Bank: $0

Min to open

Chime: $0
CIT Bank: $100

Min balance

Chime: $0
CIT Bank: $0

ATMs

Chime: 47,000+ fee-free ATMs; out-of-network fees may apply
CIT Bank: CIT charges no ATM fees; up to $30/month of other banks' ATM fees reimbursed

Overdraft

Chime: No overdraft fees; SpotMe fee-free overdraft up to $200 if eligible
CIT Bank: No overdraft fees

Sources: Chime, CIT Bank (2026-10-12).

More rates

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• Money market rates
• Checking accounts
• Savings rates
• Savings Index & rate history
• Am I overpaying?

FAQ

Which pays more interest on checking, Chime or CIT Bank?

CIT Bank has the higher stated top-tier APY as of 2026-10-12.

Where do these rates come from?

Each rate is read from the bank's own public page on the date shown and linked. Rates change often: confirm on the bank's site before opening. Not financial advice.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.