💼 Introduction: Ready to Close Your CIT Bank Account?
how to close a cit bank account CIT Bank is a popular online banking service offering high-yield savings, CDs, and checking accounts. But whether you’re consolidating accounts, switching banks, or simplifying your finances, there might come a time when you need to close your CIT Bank account.
The process is straightforward — but there are a few important steps to avoid fees, delays, or losing money in the process. In this guide, we’ll walk you through how to close your account properly, safely, and without hassle.
📋 Things to Do Before Closing Your CIT Bank Account
1. 🔄 Transfer Your Funds
Make sure your balance is $0.
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Transfer money to another bank account
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Use Zelle, ACH, or wire transfer
2. ✅ Cancel Automatic Payments
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Update billing for subscriptions (Netflix, utilities, etc.)
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Notify your employer of new direct deposit info
3. 🧾 Download Statements
CIT Bank may limit access to your account after closure. Download recent:
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Monthly statements
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Tax documents (1099, etc.)
📞 how to close a cit bank account
Method 1: Call Customer Service
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Dial 📞 855-462-2652
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Confirm identity and complete steps
Method 2: Secure Message via Online Banking
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Log into your CIT Bank account
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Go to “Messages” and click “New Message”
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Request account closure
(Response usually within 1–2 business days)
Method 3: Mail a Written Request
Send a signed letter to:
CIT Bank, N.A.
P.O. Box 7056
Pasadena, CA 91109-9699
Include:
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Full Name
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Account Number
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Reason for closing (optional)
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Signature
⏳ How Long Does It Take?
Typically:
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1–2 business days for phone or online message
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5–10 days for mailed requests how to close a cit bank account
❌ Are There Any Fees for Closing?
No — CIT Bank does not charge a fee for closing most accounts.
However:
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Watch out for early withdrawal penalties on CDs (Certificates of Deposit)
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Make sure your account balance is $0 before requesting closure
🔒 What Happens After You Close It?
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Your online banking access may be limited
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CIT will send a confirmation email or letter
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Keep your final statement for tax records
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If there’s any remaining balance, they’ll mail a check or deposit it to your linked account
✅ Conclusion: how to close a cit bank account Safely and Smartly in 2025
Closing a bank account isn’t something you do every day, but when the time comes, doing it the right way is crucial — especially when it comes to online banks like CIT Bank. Whether you’re switching to a new financial institution, consolidating accounts, or simply minimizing your online footprint, CIT Bank makes the process relatively easy.
Before initiating the closure, take the time to how to close a cit bank account transfer any remaining funds, cancel direct deposits and recurring payments, and download your bank statements for future reference. These simple steps can help you avoid unexpected charges, declined payments, or lost access to important tax documents.
CIT Bank offers multiple convenient ways to close your account — by calling their customer service, sending a secure message through online banking, or mailing a formal request. Most closures are processed within 1–2 business days, and there are no fees for closing a standard savings or checking account. However, if you’re closing a CD account, be sure to check for early withdrawal penalties.
Once your account is closed, CIT Bank will confirm the closure and may send your final balance via check or deposit it into a linked account. It’s also wise to keep your final statement and confirmation for your financial records, especially during tax season.
In summary, closing your CIT Bank account in 2025 is a quick and secure process, as long as you follow the right steps. Stay organized, communicate clearly with the bank, and keep everything documented. Doing so ensures your financial transition goes smoothly — and without any lingering issues.
👉 Ready to move on? Make sure your new bank is set up before closing your current one. And if you’re looking for better savings rates or banking features, compare options carefully before making the switch.