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–$4,999 | $25 |
| $5,000–$9,999 | $50 |
| $10,000–$49,999 | $100 |
| $50,000–$99,999 | $200 |
| $100,000–$249,999 | $350 |
| $250,000+ | $750 |
Hold Period
60 days
Qualifying Period
Maintain initial deposit for 60 days from account opening
Payout
Within 30 days following the 60-day qualifying period
Requirements
- ✓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
- ✓Maintain initial deposit for 60 days
- ✓Existing CIT Bank savings or eChecking account must remain open at time of bonus payout
- ✓Open a new Self-Directed Investing account (SDIA) through First Citizens Wealth
- ✓Existing CIT Bank savings or eChecking account required
- ✓Minimum initial deposit of $1,000 to qualify for any bonus
- ✓Initial deposit must be maintained for full 60-day qualifying period
- ✓Account must be approved within 2-3 business days
- ✓Minimum $1,000 deposit to qualify for any bonus
- ✓New-to-Citi funds only (from external non-Citi sources)
- ✓Must maintain funds through 60-day hold period from account opening
- ✓Open new Self-Directed Investing account via First Citizens Wealth
- ✓Fund account with new funds not on deposit with CIT Bank
- ✓Maintain initial deposit for 60-day qualifying period
- ✓Account must not be closed during 60-day period
- ✓Open a Self-Directed Investing account through First Citizens Wealth
- ✓CIT Bank savings or eChecking account must be open at time of bonus payment
- ✓Minimum $1,000 deposit to qualify for bonus
- ✓Maintain initial opening deposit for 60-day qualifying period
- ✓Must have CIT Bank savings or eChecking account at time of bonus payment
- ✓New funds not currently on deposit with CIT Bank
- ✓Must be existing CIT Bank customer with savings or eChecking account
- ✓Open new Self-Directed Investing account (SDIA) through First Citizens Wealth
- ✓Initial deposit must be in new funds not on deposit with CIT Bank
- ✓Minimum $1,000 to qualify for any bonus
- ✓Maintain qualifying deposit for 60-day period without withdrawal or account closure
- ✓Open new First Citizens Self-Directed Investing account (SDIA)
- ✓Initial deposit of at least $1,000 (from funds not on deposit with CIT Bank) to qualify for bonus
- ✓New funds only (not transfers from existing CIT Bank deposits)
Restrictions
- ⚠Existing CIT Bank customer only (must have existing savings or eChecking account)
- ⚠One bonus per CIT Bank customer
- ⚠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
- ⚠Existing CIT Bank customer with savings or eChecking account required
- ⚠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
- ⚠Offer is non-transferable
- ⚠New funds not on deposit with CIT Bank required
- ⚠Existing CIT Bank customer only (must have savings or eChecking account)
- ⚠If multiple accounts opened, only highest-balance account eligible
- ⚠Limited-time offer (began December 5, 2024; can end without notice)
- ⚠Only one SDIA account per customer eligible for bonus
- ⚠Existing CIT Bank customer required (must have savings or eChecking account)
- ⚠New funds only (not on deposit with CIT Bank at time of account opening)
- ⚠CIT Bank customer with existing savings or eChecking account must open new Self-Directed Investing account
- ⚠New funds not on deposit with CIT Bank
- ⚠Existing CIT Bank customers only (must have savings or eChecking account at time of bonus payment)
- ⚠One bonus per customer
- ⚠New funds only (funds already on deposit with CIT Bank are ineligible)
- ⚠New Self-Directed Investing account only
- ⚠Only one account per customer eligible for bonus
- ⚠Existing CIT Bank savings or eChecking account required
- ⚠Non-transferable offer
- ⚠Limited-time offer that can end at any time without notice
Fees
- $0 account fee
- Commission-free trading on U.S. listed stocks and ETFs
- 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)
- Market fluctuation will not impact bonus eligibility
- Deposits withdrawn before end of 60-day period forfeit bonus
- Bonus paid to CIT Bank savings or eChecking account
- Market gains or losses do not affect qualifying deposit amount
- Bonus reported as interest earned on IRS form 1099-INT
- Limited-time offer; began December 5, 2024 and can end at any time without notice
- Losses or gains due to trading/market fluctuation not considered when calculating qualifying deposit
- Bonus paid as interest (reported on IRS form 1099-INT)
- Offer non-transferable
- Market gains/losses do not affect qualification; based on actual deposit amount
- Promotion began December 5, 2024
- Offer began December 5, 2024 and can end at any time without notice
- Bonus goes to the Self-Directed Investing account
- Account must be open and in good standing when bonus is credited
- Bonus reported as interest on 1099-INT form
- Trading gains/losses do not affect qualifying deposit amount
- Bonus deposited to CIT Bank savings or eChecking account
- If multiple CIT Bank deposit accounts, CIT chooses which receives bonus
- Losses or gains due to trading or market fluctuation are not considered when calculating qualifying deposit amount
- If customer is ineligible, bonus payment will not be made
Last updated July 8, 2026
Saved source PDFs
Jul 8, 2026Change detected
Signup pagechangedDownloadTerms pagechangedDownload
Jul 1, 2026Change detected
Signup pagechangedDownloadTerms pagechangedDownload
Jun 24, 2026
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
- Maintain initial deposit for 60 days from account opening
- Payout timeline
- Within 30 days following the 60-day qualifying period
- Hold period
- 60 days
How to qualify
- 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
Common pitfalls
- Existing CIT Bank customer only (must have existing savings or eChecking account)
- One bonus per CIT Bank customer
- If multiple SDIA accounts opened, only one eligible for bonus
- Non-transferable
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 Maintain initial deposit for 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 following the 60-day qualifying period.
How long do I need to keep funds or the account for CIT Bank Self-Directed Investing Bonus?
The hold period listed for CIT Bank Self-Directed Investing Bonus is 60 days.
