What makes this brokerage offer different
This brokerage offer is transfer-oriented, so the practical value depends on the asset tier, transfer friction, and required hold period.
Brokerage
CIT Bank Self-Directed Investing Bonus — Up to $750
Sign up for CIT Bank Self-Directed Investing Bonus and earn up to $750 in bonus rewards.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $1,000 | $25 |
| $5,000 | $50 |
| $10,000 | $100 |
| $50,000 | $200 |
| $100,000 | $350 |
| $250,000 | $750 |
Hold Period
60 days
Qualifying Period
60 days from account opening
Payout
Within 30 days after 60-day qualifying period
Requirements
- ✓Open First Citizens Self-Directed Investing account (SDIA)
- ✓Maintain initial opening deposit for 60-day qualifying period
- ✓CIT Bank savings or eChecking account must be open at time of bonus payment
- ✓Minimum $1,000 initial deposit to qualify for any bonus
- ✓Minimum $1,000 deposit to qualify for bonus
- ✓Account must remain open at time of bonus payment
- ✓Open new Self-Directed Investing account
- ✓Minimum $1,000 deposit to qualify for any bonus
- ✓Maintain initial deposit for 60 days
- ✓Market fluctuations do not affect bonus eligibility
- ✓Open Self-Directed Investing Account (SDIA) through First Citizens Wealth
- ✓Minimum $1,000 initial deposit to qualify for bonus (can open account with $100 minimum but won't qualify)
- ✓Maintain initial opening deposit for full 60-day period from account opening date
- ✓Must have existing CIT Bank savings or eChecking account at time of bonus payment
- ✓Open a new First Citizens Self-Directed Investing account (SDIA)
- ✓Fund with new money not on deposit with CIT Bank
- Existing CIT Bank savings or eChecking account must remain open at time of bonus payout
Restrictions
- ⚠One bonus per CIT Bank customer
- ⚠If multiple Self-Directed Investing accounts are opened, only one is eligible
- ⚠Offer is non-transferable
- ⚠Existing CIT Bank customer with savings or eChecking account required
- ⚠New funds not on deposit with CIT Bank required
- ⚠Existing CIT Bank customer only (must have existing savings or eChecking account)
- ⚠If multiple Self-Directed Investing accounts opened, only one account eligible for bonus
- ⚠Offer non-transferable
- ⚠Existing CIT Bank customer only
- ⚠Must have existing savings or eChecking account
- ⚠One bonus per customer
- ⚠New funds not on deposit with CIT Bank
- ⚠If multiple SDIA accounts opened, only one eligible for bonus
- ⚠Non-transferable
- ⚠New funds not already on deposit with CIT Bank
- ⚠Limited-time offer; can end without notice
- ⚠Limited-time offer
- ⚠Existing CIT Bank customer required (must have an existing savings or eChecking account)
- ⚠If multiple Self-Directed Investing accounts are opened, only one account is eligible
Fees
- $0 commission on U.S. listed stocks and ETFs
- $0 commission on U.S. stocks and ETFs
- $0 account fee
- Commission-free trading on U.S. listed stocks and ETFs
- Customer ineligible if SDIA not initially funded with qualifying amount
- Bonus forfeited if qualifying deposit withdrawn or account closed before 60-day period ends
- Bonus reported as interest earned on IRS form 1099-INT
- Bonus deposited to customer's CIT Bank savings or eChecking account (CIT Bank chooses if multiple exist)
- Limited-time offer beginning December 5, 2024; can end at any time without notice
- Trading gains/losses do not affect qualifying deposit amount calculation
- Bonus paid to CIT Bank Savings or eChecking account (not SDIA)
- Bonus reported as interest on Form 1099-INT
- Customer responsible for taxes on bonus
- Limited-time offer
- Only one SDIA account per customer eligible for bonus
- Offer is non-transferable
- Bonus paid to CIT Bank savings or eChecking account
- CIT Bank account must remain open at time of bonus payment
- Market gains/losses do not affect qualifying deposit amount calculation
- Bonus deposited to customer's CIT Bank savings or eChecking account (CIT chooses if multiple accounts)
- Bonus reported as interest on IRS Form 1099-INT
- Customer responsible for applicable taxes
- Bonus payments reported as interest earned on IRS form 1099-INT
- Trading losses/gains do not affect qualifying deposit amount
- If account is closed or deposit withdrawn before 60-day period ends, customer is ineligible
- One SDIA account per customer eligible for bonus
- Promotion began December 5, 2024, can end at any time without notice
- Customer is ineligible if deposit is withdrawn or account is closed before end of 60-day period
- CIT Bank savings or eChecking account must remain open at time of bonus payment
- Recipient responsible for applicable taxes
- Market gains/losses do not affect bonus qualification—based on actual deposit amount
- Bonus tiers range from $25 (at $1,000 deposit) to $750 (at $250,000+ deposit)
Last updated August 12, 2026
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How to evaluate CIT Bank Self-Directed Investing Bonus
Before transferring assets, compare the bonus tier against the deposit amount, required hold period, transfer fees, and whether IRA or taxable accounts qualify.
Qualification checklist
Timing
- Qualifying period
- 60 days from account opening
- Payout timeline
- Within 30 days after 60-day qualifying period
- Hold period
- 60 days
How to qualify
- Open First Citizens Self-Directed Investing account (SDIA)
- Maintain initial opening deposit for 60-day qualifying period
- CIT Bank savings or eChecking account must be open at time of bonus payment
- Minimum $1,000 initial deposit to qualify for any bonus
Common pitfalls
- One bonus per CIT Bank customer
- If multiple Self-Directed Investing accounts are opened, only one is eligible
- Offer is non-transferable
- Existing CIT Bank customer with savings or eChecking account required
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $7,500 median, so the requirements and any referral or portal stack matter more.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
How long do I have to qualify for CIT Bank Self-Directed Investing Bonus?
The qualifying period listed for CIT Bank Self-Directed Investing Bonus is 60 days from account opening.
When does CIT Bank Self-Directed Investing Bonus pay out?
The payout timeline listed for CIT Bank Self-Directed Investing Bonus is Within 30 days after 60-day qualifying period.
