CIT Bank Agreement for Personal AccountsBank Agreement • January 30th, 2019
WELCOME TO CIT BANK, NA 6 Banking with CIT Bank, NA 6 Ways to Access Your Account 6 YOUR AGREEMENT WITH US 6 Our Agreement 6 Dispute Resolution / Arbitration Agreement 6 Amendments and Changes in Account Terms 6 FDIC Insurance 7 Consent to Receive Telephone Calls / Text and SMS Messages 7 INFORMATION ABOUT YOU AND YOUR ACCOUNTS WITH US 7 Customer Identification Program 7 Credit Verification 7 Telephone and E-Mail Monitoring 7 ACCOUNT OWNERSHIP 8 Personal Accounts in General 8 Ownership Types 8 Some General Information 8 Transfer / Assignment 9 GENERAL INFORMATION ABOUT TYPES OF ACCOUNTS 9 Savings and Money Market Products Offered 9 Certificate of Deposit Products Offered 9 ABOUT OUR POSTING ORDER 9 General Posting Order 9 Credit and Debit Categories for Posting 9 Determination of Posting Order 9 DEPOSITS AND COLLECTIONS 9 Accepting Items for Deposit 9 Verification and Collection 10 Items Sent for Collection 10 Lost Items 10 Delivery of Deposits and Verification 10 Endorsements 10 Ident