Bounty
Worth it?

CIT Bank First Citizens Self-Directed Investing account bonus: is $750 worth it?

What it adds over what your cash earns now, tier by tier. Change the rate to yours.

+$750: more than leaving it at 4.15%

With $250,000 for 60 days, the tier that adds the most.

With the bonus5.97%
Leave it where it is4.15%

Yearly rate on $250,000 while it's there, bonus included.

Every tier

A smaller tier often wins: less cash away from what it earns now.

  • $1,000
    $25 bonus · 60 days
    +$25
  • $5,000
    $50 bonus · 60 days
    +$50
  • $10,000
    $100 bonus · 60 days
    +$100
  • $50,000
    $200 bonus · 60 days
    +$200
  • $100,000
    $350 bonus · 60 days
    +$350
  • $250,000Best for you
    $750 bonus · 60 days
    +$750

The math

Compared with leaving $250k at 4.15%

Bonus
+$750
Interest while it's there
4.15% for 2 mo
+$1,705
What it'd earn at home
$250,000 at 4.15% for 2 mo
−$1,705
Extra
+$750
Works out to 6% a year on that cash, vs 4.15% at home.

Deposit $250,000 in new money within 1 day · Keep $250,000 there until day 60 · Must be an existing CIT Bank savings or eChecking customer and open SDIA via the CIT…. Verified on the bank's page Oct 10, 2026.

See every bonus ranked like this for you

About this bonus

What it takes

  1. 1Deposit $250,000 in new money within 1 day
  2. 2Keep $250,000 there until day 60
  3. 3Must be an existing CIT Bank savings or eChecking customer and open SDIA via the CIT…
Ends
No end date listed
Where
Nationwide
Pays while it's there
4.15% a year
Monthly fee
None
Keep it open
At least 60 days, or the bonus can be taken back
Cash stays
About 60 days
Bonus paid
Usually within 30 days of finishing
Verified on the bank's page Oct 10, 2026The bank's offer pageFound via Doctor of Credit

Similar bonuses

The same kind of account, ranked by what each adds at 4.15%.

Questions

Is the CIT Bank First Citizens Self-Directed Investing account bonus worth it?

At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $250,000 tier adds +$750: the $750 bonus plus $1,705 interest, minus the $1,705 that cash would have earned in 60 days. The $100,000 tier adds +$350. At a different rate the answer changes; the calculator on this page works it out for yours.

What are the requirements?

Deposit $250,000 in new money within 1 day; keep $250,000 there until day 60; must be an existing CIT Bank savings or eChecking customer and open SDIA via the CIT…. Open nationwide.

When does it end?

No end date is listed. The terms were last checked Oct 10, 2026.