I’ve now been on hold with Cit bank for a total of 52 minutes. They will not let me access the funds in my “no penalty” CD without talking to someone. A human answered the phone about 25 minutes ago and said they needed to transfer me to someone in their “CD division.” If this is online banking, why can’t I access my account without talking with someone? Cit bank’s customer service is the worst I’ve ever encountered with a financial institution. You’d think they would care about someone with 40k in a CD, but they’ve made it clear they don’t. If I ever get to speak to customer service, I’m withdrawing my money and RUNNING away from CIT. I would advise anyone reading this to avoid putting any money on this bank, and stay clear of their CDs. Yes, they have a relatively good interest rate right now, but so do a lot of other banks that actually care. (Since it took me approximately 8 minutes to write this up, I’ve now been on hold for an hour and guess what? Customer service is closed.)