I opened a savings and checking account. The savings is my only savings account now and I have no issues. The high yield returns are great. Now, as for the eChecking, after I started using the checking as well as updating my direct deposit to go into that account and switch my bill pays, it didn't take long for me to see issues. 1. I had several notifications from the app informing me an authorized transaction was denied yet it didn't provide a way to indicate it was in fact authorized and not due to fraud. I couldn't even tell which transaction(s) were denied based on the notifications and you can't see any evidence of that online. Customer service was clueless about that topic. Not encouraging. 2. When you make a purchase using a debit card, the transaction has a meaningful description while in pending state. But once it's posted, it's just "Pos Transaction"....obviously there's nothing meaningful about that. That just means fraudulent transactions can be buried/hidden among the valid transactions and you may never know. The bill pay transactions are no better as they're all listed the same as "Electronic Bill Pay"...so unless you know the payments by amount for each bill pay you setup, those are not meaningful without comparing it to the bill pay list (assuming no amounts are the same for different bill pay account) Long story short, I'm now waiting on a few bill payments to clear, changed my direct deposit back to my prior bank and setup my bill pays with my old bank to resume. It's just uneasy to know that CIT chose to just use meaningless descriptions for debit transactions. While you can earn interest on the eChecking and get reimbursed up to $30/mth for ATM transactions, I don't think checking is worth it as it works right now. Hence, this review is really about their eChecking.