{"account":{"slug":"cit-platinum-savings","bank":"CIT Bank","name":"Platinum Savings"},"status":"recent","lastVerified":"2026-11-02","officialSource":"https://www.cit.com/cit-bank/bank/savings/platinum-savings-account","history":[{"date":"2026-10-05","apy":"3.75% on balances of $5,000+ (as of October 2026); roughly 0.25% below $5,000","monthlyFee":"$0","minimumOpen":"$100","atm":"No ATM card; transfers via ACH to linked external accounts","note":"Legacy snapshot without event-level evidence"},{"date":"2026-10-23","apy":"3.75% variable APY on $5,000 or more; 0.25% below $5,000","monthlyFee":"$0","minimumOpen":"$100","atm":"Manage online or in the CIT mobile app; fund by ACH, wire, mobile check deposit or mailed check","note":"Verified standard tiers using the current official product URL; corrected promotion timing and removed unsupported fee and transfer claims from the review. Observation date, not a bank rate-change date.","sourceUrl":"https://www.cit.com/cit-bank/bank/savings/platinum-savings-account","sourceLabel":"CIT Platinum Savings product page"},{"date":"2026-11-02","apy":"3.75% variable APY on $5,000 or more; 0.25% below $5,000","monthlyFee":"$0","minimumOpen":"$100","atm":"Manage online or in the CIT mobile app; fund by ACH, wire, mobile check deposit or mailed check","note":"Freshness-rotation reconfirmation: CIT's product page still lists 3.75% at $5,000+ and 0.25% below. No change to standard tiers; boost-promotion details remain subject to the page's own terms.","sourceUrl":"https://www.cit.com/cit-bank/bank/savings/platinum-savings-account","sourceLabel":"CIT Platinum Savings product page, checked November 2, 2026"}],"verificationEvents":[{"id":"6613b084-207a-4915-8476-89f18d82d8f4","entityType":"bank-account","slug":"cit-platinum-savings","checkedAt":"2026-10-23T20:43:44.603Z","recordedAt":"2026-10-23T20:43:44.604Z","sourceUrl":"https://www.cit.com/cit-bank/bank/savings/platinum-savings-account","sourceLabel":"CIT Platinum Savings official product page","outcome":"changed","summary":"Verified standard account terms and separate BOOST50 promotion; corrected enrollment deadline versus six-month duration, eligibility and insurance scope; removed unsupported blanket fee, transfer-speed and comparative claims.","changedFields":["apy","fdic","features","atm","bonusSlug","pros","cons","ourTake","sections","faqs","termHistory","url","lastVerified"],"facts":{"standardApy":3.75,"lowerApy":0.25,"threshold":5000,"promotionSource":"https://www.cit.com/cit-bank/platinum-savings/boost","promotionEnrollmentDeadline":"2026-12-15","boostPercentagePoints":0.5,"boostMonths":6},"previousHash":"89be9154645823ee29b58a3c5dc1dbb49b981cf53310921ecd76128943fcf61e","recordHash":"cb2e280a8949d3e4e29222788c94bf6cc0f66f457a9bb0387352e0b9864c9a63"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}