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CIT Bank vs SoFi checking

CIT Bank and SoFi 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)
SoFi: 0.50% APY on checking balances, no minimum

Monthly fee

CIT Bank: $0
SoFi: $0

Min to open

CIT Bank: $100
SoFi: $0

Min balance

CIT Bank: $0
SoFi: $0

ATMs

CIT Bank: CIT charges no ATM fees; up to $30/month of other banks' ATM fees reimbursed
SoFi: 55,000+ fee-free Allpoint ATMs

Overdraft

CIT Bank: No overdraft fees
SoFi: No overdraft fees; coverage up to $50 with $1,000+ monthly direct deposit

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

More rates

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

FAQ

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

SoFi 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.