At CIT Bank, open a CIT Bank eChecking Account and earn up to 0.25% APY. Features To earn 0.25% APY, maintain a balance of $25,000 or more. Balances under $25,000 will earn 0.10% APY. A minimum deposit of $100 is required to open an account. Use any ATM with an eChecking debit card without paying any CIT fees and receive up to $30 per month to offset other bank’s ATM charges.