CIT Bank and Happen Bank checking side by side: fees, minimums, interest, ATMs and overdraft.
APY
CIT Bank: 0.25% APY with $25,000+ balance; 0.10% below (APY field shows the top tier) Happen Bank: 1.00% APY at $2,500+; 0.00% below
Monthly fee
CIT Bank: $0 Happen Bank: $0
Min to open
CIT Bank: $100 Happen Bank: $0
Min balance
CIT Bank: $0 Happen Bank: $0
ATMs
CIT Bank: CIT charges no ATM fees; up to $30/month of other banks' ATM fees reimbursed Happen Bank: Happen charges no ATM fee; unlimited rebates of other banks' ATM fees
Overdraft
CIT Bank: No overdraft fees Happen Bank: not found
Which pays more interest on checking, CIT Bank or Happen Bank?
Happen 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.