WELCOME TO CIT BANK, a division of First-Citizens Bank & Trust Company 7 Banking with CIT Bank 7 Ways to Access Your Account 7 YOUR AGREEMENT WITH US 7 Our Agreement 7 Dispute Resolution / Arbitration Agreement 7 Amendments and Changes in Account...Cit Bank Agreement for Personal Accounts • May 22nd, 2024
Longer Delays May Apply 14 Special Rules for New Accounts 14 Holds on Other Funds 15 ECHECKING WITHDRAWALS 15 No Paper or Remotely Created Checks or Drafts Permitted 15 Paying Items Drawn on Your Account 15 COMMUNICATIONS, NOTICES AND STATEMENTS WE MAY SEND YOU 15 About Sending Communications, Notices and Statements to You 15 Delivery of Communications about Changes 15 Change of Address 16 Changes in Ownership and Authorized Signer 16 PROTECTING YOUR ACCOUNTS 16 Precautions You Should Take 16 Closing a Compromised Account 16 REPORTING UNAUTHORIZED TRANSACTIONS AND PROBLEMS 16 Types of Unauthorized Transactions 16 Reviewing Statements and Reporting Unauthorized Use of Your Account 17 Not Reporting Unauthorized Transactions Timely 17 Our Investigation of Your Unauthorized Transaction 17 Voluntary Disclosure of Your Account Number 17 Our Maximum Liability 17 OTHER TERMS AND CONDITIONS 17 Automatic Transfer Service 17 Business Days 17 Closing an Account 17 Complete Agreement, Captions 18 C
CIT Bank Agreement for Personal AccountsCit Bank Agreement for Personal Accounts • December 3rd, 2023
WELCOME TO CIT BANK, a division of First-Citizens Bank & Trust Company 7 Banking with CIT Bank 7 Ways to Access Your Account 7 YOUR AGREEMENT WITH US 7 Our Agreement 7 Dispute Resolution / Arbitration Agreement 7 Amendments and Changes in Account Terms 7 FDIC Insurance 8 Consent to Receive Telephone Calls / Text and SMS Messages 8 INFORMATION ABOUT YOU AND YOUR ACCOUNTS WITH US 8 Customer Identification Program 8 Credit Verification 8 Telephone and E-Mail Monitoring 9 ACCOUNT OWNERSHIP 9 Personal Accounts in General 9 Ownership Types 9 Some General Information 9 Transfer / Assignment 10 GENERAL INFORMATION ABOUT TYPES OF ACCOUNTS 10 Checking, Savings and Money Market Products Offered 10 Certificate of Deposit Products Offered 10 PAYMENT OF OVERDRAFTS 10 Maintaining an Available Balance 10 Payments of Overdrafts 10 No Overdraft Fees 10 Overdraft Protection 10 ABOUT OUR POSTING ORDER 11 General Posting Order 11 Credit and Debit Categories for Posting 11 Determination of Posting Order 11
