Is CIT A Good Bank To Consider For Your Financial Needs?

Is Cit A Good Bank for your financial needs? CIT, now a division of First Citizens Bank, can be a solid option if you’re looking for competitive savings rates and online convenience. At bankprofits.net, we provide an in-depth analysis to help you determine if CIT meets your specific banking requirements and financial goals. Explore the potential benefits of high-yield savings, CD options, and digital accessibility with a keen eye on profitability and customer service.

1. What Makes CIT (Now First Citizens Bank) Stand Out Among Banks?

CIT Bank, now operating as a division of First Citizens Bank, stands out due to its focus on online banking and competitive interest rates, particularly on savings products. This appeals to customers seeking higher returns than traditional brick-and-mortar banks, as highlighted by bankprofits.net’s analysis of banking profitability. This merger enhances its stability and service offerings, making it an attractive option for those prioritizing digital banking solutions and financial growth.

CIT distinguishes itself by:

High-Yield Savings Accounts: Offering interest rates that often surpass the national average.
Online Convenience: Providing easy access to accounts and services through a user-friendly digital platform.
CD Options: Featuring a variety of Certificate of Deposit (CD) terms to help customers maximize their savings.

Alt text: Exterior view of a CIT Bank building showcasing its modern architectural design and corporate branding.

2. What Are The Main Banking Products Offered By CIT?

CIT Bank provides a range of banking products tailored to meet diverse customer needs, with a strong emphasis on savings and digital accessibility. Their offerings include high-yield savings accounts, certificates of deposit (CDs), home loans, and commercial lending solutions. These products aim to deliver competitive interest rates and convenient online banking services.

Savings Accounts

CIT’s savings accounts are designed to help customers grow their money faster with higher-than-average interest rates. These accounts typically come with low minimum balance requirements, making them accessible to a wide range of savers.

Certificates Of Deposit (CDs)

CDs offer fixed interest rates for a specific term, providing a secure way to save with guaranteed returns. CIT offers various CD terms, allowing customers to choose the duration that best fits their financial goals.

Home Loans

CIT provides mortgage solutions to help individuals purchase or refinance their homes. Their home loan products are designed to be competitive and cater to different borrower needs.

Commercial Lending

CIT offers a range of commercial lending products to support businesses, including term loans, lines of credit, and equipment financing. These solutions help businesses manage their finances and invest in growth opportunities.

3. How Competitive Are CIT’s Interest Rates Compared To Other Banks?

CIT Bank generally offers more competitive interest rates on savings products compared to traditional brick-and-mortar banks. According to bankprofits.net, this focus on high-yield savings accounts and CDs can be particularly beneficial for customers looking to maximize their returns. However, it is always wise to compare CIT’s rates with those of other online banks and credit unions to ensure you are getting the best possible deal.

To assess CIT’s competitiveness, consider these points:

Savings Account Rates: CIT’s savings account rates often exceed the national average.
CD Rates: CIT offers competitive CD rates with various terms to suit different investment horizons.
Comparison Shopping: Always compare CIT’s rates with other banks and credit unions to find the best options.

4. What Are The Pros And Cons Of Banking With CIT?

Banking with CIT, now part of First Citizens Bank, has several advantages and disadvantages. A key advantage is the competitive interest rates on savings accounts and CDs, which can help customers maximize their returns. The online platform offers convenience with 24/7 access to accounts. However, the lack of physical branches may be a drawback for those who prefer in-person banking services. Additionally, some users may find the range of services limited compared to larger, full-service banks.

Pros of Banking with CIT

Competitive Interest Rates: Higher rates on savings and CDs.
Online Convenience: 24/7 access to accounts via a user-friendly platform.
Low Minimum Balances: Accessibility for a wide range of savers.

Cons of Banking with CIT

No Physical Branches: Limited in-person service.
Limited Services: Fewer product offerings compared to larger banks.
Online-Only Support: Customer service primarily available online or by phone.

5. How User-Friendly Is CIT’s Online And Mobile Banking Experience?

CIT Bank provides a user-friendly online and mobile banking experience. The digital platform is designed for easy navigation, allowing customers to manage their accounts, transfer funds, and monitor transactions efficiently. Many users appreciate the intuitive interface and the ability to access their accounts anytime, anywhere. According to reviews analyzed by bankprofits.net, the mobile app enhances convenience for those who prefer banking on the go.

Key Features of CIT’s Online and Mobile Banking

Intuitive Interface: Easy-to-navigate design for seamless user experience.
Account Management: Simple tools for managing accounts and monitoring transactions.
Mobile Accessibility: Convenient banking on the go with the mobile app.

6. What Customer Service Options Does CIT Bank Offer?

CIT Bank provides customer service primarily through online channels and phone support. Customers can access assistance via email, live chat, and a dedicated customer service phone line. While the bank does not offer in-person support due to its online-only model, it aims to provide timely and helpful responses through its digital and phone channels.

Customer Service Channels

Email Support: Submit inquiries and receive responses via email.
Live Chat: Instant messaging with customer service representatives.
Phone Support: Direct access to customer service agents via phone.

7. How Secure Is CIT Bank? What Security Measures Are In Place?

CIT Bank employs robust security measures to protect customer data and funds. These include encryption technology, multi-factor authentication, and fraud monitoring systems. The bank is also FDIC-insured, providing additional protection for deposits up to $250,000 per depositor, per insured bank. According to bankprofits.net, these security protocols are essential for maintaining customer trust and safeguarding financial assets.

Key Security Measures

Encryption Technology: Protecting data during transmission.
Multi-Factor Authentication: Adding an extra layer of security for account access.
Fraud Monitoring: Detecting and preventing unauthorized transactions.
FDIC Insurance: Insuring deposits up to $250,000 per depositor.

8. What Are The Fees Associated With CIT Bank Accounts?

CIT Bank generally offers accounts with low or no monthly maintenance fees, which is a significant advantage for many customers. However, it is important to be aware of other potential fees, such as those for excessive withdrawals, wire transfers, or returned items. Customers should review the fee schedule carefully to understand all possible charges.

Common Fees to Watch Out For

Monthly Maintenance Fees: Typically low or non-existent.
Excessive Withdrawal Fees: Charges for exceeding the allowed number of withdrawals.
Wire Transfer Fees: Fees for sending or receiving wire transfers.
Returned Item Fees: Charges for returned checks or payments due to insufficient funds.

9. How Does CIT Bank Compare To Traditional Banks?

CIT Bank, now operating as a division of First Citizens Bank, differs significantly from traditional banks in several key aspects. One of the most notable differences is the absence of physical branches, as CIT operates primarily online. This allows them to offer more competitive interest rates on savings accounts and CDs, as highlighted by bankprofits.net’s comparative analysis. Traditional banks, on the other hand, provide in-person services and a wider range of financial products but often have higher fees and lower interest rates.

Key Differences

Feature	CIT Bank (First Citizens Bank Division)	Traditional Banks
Branch Locations	None	Many
Interest Rates	Higher	Lower
Fees	Lower	Higher
Service Range	Limited	Wide
Customer Service	Online and Phone	In-Person

10. Is CIT Bank A Good Choice For Small Business Owners?

CIT Bank can be a viable option for small business owners, particularly those who prioritize online banking and competitive interest rates on savings products. They offer various business savings accounts and lending solutions that can help small businesses manage their finances and grow. However, business owners should consider the lack of physical branches and the potential need for in-person services when making their decision.

Benefits for Small Business Owners

Business Savings Accounts: Competitive interest rates on savings.
Lending Solutions: Access to term loans, lines of credit, and equipment financing.
Online Convenience: Easy access to accounts and services through a digital platform.

Considerations for Small Business Owners

No Physical Branches: Limited in-person service.
Service Range: Fewer product offerings compared to larger banks.

11. What Happens To Existing CIT Bank Customers With The First Citizens Bank Merger?

With the merger of CIT Bank into First Citizens Bank, existing CIT Bank customers can expect a transition period as the two banks integrate their systems and services. Generally, customers should anticipate continued access to their accounts, but there may be changes to account numbers, online banking interfaces, and fee structures. First Citizens Bank typically communicates these changes in advance to ensure a smooth transition.

What to Expect

Account Access: Continued access to accounts during the transition.
Potential Changes: Possible changes to account numbers and online banking interfaces.
Communication: Proactive communication from First Citizens Bank regarding any changes.

12. How Does FDIC Insurance Protect My Deposits At CIT Bank?

FDIC insurance protects deposits at CIT Bank, now a division of First Citizens Bank, up to $250,000 per depositor, per insured bank. This means that if CIT Bank were to fail, the FDIC would reimburse depositors for their insured funds, up to the coverage limit. This insurance is backed by the full faith and credit of the United States government, providing a high level of security for depositors.

Key Points About FDIC Insurance

Coverage Limit: Up to $250,000 per depositor, per insured bank.
Protection: Reimbursement for insured funds in the event of bank failure.
Government Backing: Insurance is backed by the full faith and credit of the U.S. government.

13. Can I Open Multiple Accounts At CIT Bank? Is There A Limit?

Yes, you can typically open multiple accounts at CIT Bank, now a division of First Citizens Bank. While there is no specific limit to the number of accounts you can have, each account is subject to its own terms and conditions. It is important to manage multiple accounts effectively to avoid any potential fees or complications.

Managing Multiple Accounts

Individual Terms: Each account has its own terms and conditions.
Effective Management: Manage accounts effectively to avoid fees and complications.

14. How Can I Access My Funds At CIT Bank If There Are No Physical Branches?

Since CIT Bank operates primarily online, you can access your funds through various digital channels. These include online banking, mobile banking, and ATM networks. You can transfer funds to other accounts, make online purchases, and withdraw cash from ATMs using your CIT Bank debit card.

Accessing Funds

Online Banking: Transfer funds and manage accounts online.
Mobile Banking: Access accounts and make transactions via the mobile app.
ATM Networks: Withdraw cash using your CIT Bank debit card.

15. Does CIT Bank Offer Any Rewards Or Perks For Its Customers?

CIT Bank primarily focuses on offering competitive interest rates rather than traditional rewards programs. While they may not have extensive rewards programs like some larger banks, the higher interest rates on savings accounts and CDs can be a significant perk for customers looking to maximize their returns. Keep an eye on bankprofits.net for updates on any potential rewards or perks offered by CIT Bank.

Focus on Interest Rates

Competitive Rates: Higher interest rates on savings accounts and CDs.
Maximizing Returns: A focus on helping customers grow their money faster.

16. What Are The Minimum Deposit Requirements For CIT Bank Accounts?

CIT Bank often has low minimum deposit requirements for its savings accounts, making them accessible to a wide range of customers. Some accounts may require a minimum opening deposit, while others may have no minimum balance requirements. It is important to check the specific terms of each account to understand the minimum deposit requirements.

Example of Minimum Deposit Requirements

Account Type	Minimum Deposit Requirement
Savings Account	$100
Certificate of Deposit	$1,000

17. How Long Does It Take To Open An Account At CIT Bank?

Opening an account at CIT Bank is typically a quick and straightforward process. You can usually complete the application online in a matter of minutes, and the account can be opened within a few business days. The exact timeframe may vary depending on the verification process and the type of account you are opening.

Steps to Open an Account

Online Application: Complete the application form online.
Verification: Verify your identity and other required information.
Account Opening: Account is opened within a few business days.

18. What Should I Do If I Have A Problem With My CIT Bank Account?

If you encounter a problem with your CIT Bank account, the first step is to contact their customer service team. You can reach them via email, live chat, or phone. Be prepared to provide detailed information about the issue and any relevant account details. If the problem is not resolved to your satisfaction, you may also consider filing a complaint with the Consumer Financial Protection Bureau (CFPB).

Steps to Resolve Issues

Contact Customer Service: Reach out via email, live chat, or phone.
Provide Details: Provide detailed information about the issue.
File a Complaint: If necessary, file a complaint with the CFPB.

19. Does CIT Bank Offer Mobile Check Deposit?

Yes, CIT Bank offers mobile check deposit, allowing customers to deposit checks conveniently from their smartphones or tablets. This feature is available through the CIT Bank mobile app and can save you time and effort compared to traditional check deposit methods.

Using Mobile Check Deposit

Mobile App: Access the mobile check deposit feature in the app.
Convenience: Deposit checks from anywhere with your smartphone or tablet.

20. Are There Any Restrictions On The Number Of Transactions I Can Make With My CIT Bank Account?

CIT Bank accounts may have certain restrictions on the number of transactions you can make, particularly with savings accounts. Federal regulations, such as Regulation D, limit the number of certain types of withdrawals and transfers you can make from a savings account each month. Exceeding these limits may result in fees or account restrictions.

Transaction Limits

Regulation D: Federal regulations limit certain types of withdrawals and transfers.
Savings Accounts: Savings accounts may have restrictions on the number of transactions.
Fees or Restrictions: Exceeding transaction limits may result in fees or account restrictions.

21. How Does CIT Bank Handle Overdrafts?

CIT Bank’s policies regarding overdrafts are important to understand. Since CIT Bank is primarily an online bank focusing on savings products, it typically does not offer traditional overdraft services like those found at checking accounts in brick-and-mortar banks. Instead, CIT Bank may decline transactions if there are insufficient funds in your account, which avoids overdraft fees. However, it’s important to review the specific terms and conditions of your account to understand how CIT Bank handles situations where your account balance is insufficient to cover a transaction. This approach can help customers avoid unexpected fees and better manage their finances.

Key Considerations for Overdrafts at CIT Bank

No Traditional Overdraft Services: CIT Bank typically does not offer overdraft services like traditional banks.
Transaction Decline: Transactions may be declined if there are insufficient funds in your account.
Review Terms and Conditions: Understand the specific policies regarding insufficient funds and potential fees.

22. Is CIT Bank Environmentally Friendly?

Determining whether CIT Bank, now a division of First Citizens Bank, is environmentally friendly requires examining its policies and practices related to sustainability. While CIT Bank primarily operates online, reducing its carbon footprint compared to traditional brick-and-mortar banks, it’s essential to look at its broader environmental initiatives. For instance, does the bank invest in renewable energy projects or promote sustainable business practices among its clients? Some financial institutions prioritize environmental, social, and governance (ESG) factors in their operations and lending decisions. Reviewing CIT Bank’s annual reports or sustainability statements can provide insights into its environmental commitments and actions.

Factors to Consider for Environmental Friendliness

Online Operations: Reduced carbon footprint due to limited physical infrastructure.
ESG Initiatives: Investment in renewable energy or sustainable business practices.
Annual Reports: Review of sustainability statements for environmental commitments.

23. What Is The Minimum Age To Open An Account With CIT Bank?

The minimum age to open an account with CIT Bank, now operating as a division of First Citizens Bank, is generally 18 years old. This requirement aligns with standard banking regulations and practices that require individuals to be of legal age to enter into financial contracts. For younger individuals, custodial accounts or joint accounts with a parent or legal guardian may be available.

Key Requirements for Opening an Account

Minimum Age: Typically 18 years old.
Legal Age: Requirement to enter into financial contracts.
Alternative Options: Custodial or joint accounts for younger individuals.

24. Can Foreigners Open An Account With CIT Bank?

Whether foreigners can open an account with CIT Bank depends on the bank’s specific policies and compliance with regulatory requirements. Generally, banks require certain documentation to verify the identity and residency of foreign applicants. This may include a valid passport, visa, and proof of address. Additionally, banks must comply with anti-money laundering (AML) and know your customer (KYC) regulations, which require them to verify the source of funds and the purpose of the account. Foreigners interested in opening an account with CIT Bank should contact the bank directly to inquire about their specific requirements and procedures.

Requirements For Foreign Applicants

Documentation: Valid passport, visa, and proof of address.
AML and KYC Compliance: Verification of funds and account purpose.
Direct Inquiry: Contact CIT Bank to inquire about specific requirements.

25. What Happens To My CIT Bank Account If I Move Out Of The Country?

If you move out of the country, your CIT Bank account may be affected depending on the bank’s policies and the regulations of your new country of residence. You may need to provide CIT Bank with your new address and any relevant tax information. Additionally, certain banking services may be restricted or unavailable if you are no longer a U.S. resident. It’s important to contact CIT Bank directly to discuss your situation and ensure compliance with all applicable regulations.

Considerations When Moving Abroad

Address and Tax Information: Provide CIT Bank with your new address and tax information.
Service Restrictions: Certain banking services may be restricted or unavailable.
Direct Communication: Contact CIT Bank to discuss your situation.

26. Are There Any Restrictions On The Types Of Businesses That Can Bank With CIT Bank?

CIT Bank may have certain restrictions on the types of businesses that can bank with them, depending on their risk tolerance and compliance policies. Generally, banks avoid providing services to businesses that are involved in illegal activities or operate in industries that are considered high-risk. This may include businesses involved in gambling, adult entertainment, or certain types of international transactions. Businesses interested in banking with CIT Bank should inquire about any specific restrictions or requirements.

Potential Restrictions

Illegal Activities: Banks avoid providing services to businesses involved in illegal activities.
High-Risk Industries: Restrictions on businesses in gambling, adult entertainment, or certain international transactions.
Direct Inquiry: Businesses should inquire about specific restrictions or requirements.

27. How Do I Close My CIT Bank Account?

Closing your CIT Bank account typically involves submitting a written request to the bank. You may need to provide your account number, personal information, and a reason for closing the account. Additionally, you’ll need to specify how you want to receive any remaining funds in the account, such as through a check or electronic transfer. Be sure to review CIT Bank’s specific procedures for closing accounts to ensure a smooth and hassle-free process.

Steps To Close An Account

Written Request: Submit a written request to CIT Bank.
Required Information: Provide your account number, personal information, and reason for closing.
Remaining Funds: Specify how you want to receive any remaining funds.

28. Can I Use CIT Bank To Save For Retirement?

CIT Bank offers several options that can be used for retirement savings, including high-yield savings accounts and certificates of deposit (CDs). These accounts can help you grow your savings faster with competitive interest rates. However, CIT Bank does not offer traditional retirement accounts like 401(k)s or IRAs. Therefore, you may need to supplement your retirement savings with other investment vehicles to ensure a well-rounded retirement plan.

Retirement Savings Options

High-Yield Savings Accounts: Competitive interest rates for savings.
Certificates of Deposit (CDs): Fixed interest rates for a specific term.
Supplement with Other Investments: Consider other investment vehicles for a well-rounded retirement plan.

29. What Are The Tax Implications Of Banking With CIT Bank?

The tax implications of banking with CIT Bank are similar to those of banking with any other financial institution. You will generally need to report any interest income earned on your CIT Bank accounts on your tax return. CIT Bank will typically provide you with a Form 1099-INT, which summarizes the amount of interest you earned during the year. Additionally, certain transactions, such as large cash deposits or withdrawals, may be subject to reporting requirements under the Bank Secrecy Act.

Key Tax Considerations

Interest Income: Report interest income on your tax return.
Form 1099-INT: CIT Bank will provide a form summarizing your interest earnings.
Bank Secrecy Act: Certain transactions may be subject to reporting requirements.

30. How Does CIT Bank Handle Customer Complaints?

CIT Bank aims to handle customer complaints in a fair and timely manner. If you have a complaint, you can typically submit it through their online customer service portal, via email, or by phone. CIT Bank will investigate the matter and attempt to reach a resolution. If you are not satisfied with the outcome, you may also have the option of escalating the complaint to a higher level of management or filing a complaint with a regulatory agency.

Complaint Resolution Process

Submission: Submit complaints through the online portal, email, or phone.
Investigation: CIT Bank will investigate the matter.
Escalation: If necessary, escalate the complaint to a higher level of management or a regulatory agency.

31. Are There Any Discounts For Seniors At CIT Bank?

CIT Bank may offer certain discounts or special promotions for seniors, although this can vary over time. Seniors should inquire directly with CIT Bank about any available discounts on fees, interest rates, or other services. Additionally, it’s worth comparing CIT Bank’s offerings with those of other financial institutions that cater specifically to seniors to ensure you’re getting the best possible deal.

Potential Senior Discounts

Inquire Directly: Ask CIT Bank about any available discounts for seniors.
Compare Offerings: Compare CIT Bank’s offerings with those of other financial institutions.

32. Does CIT Bank Offer Trust Services?

CIT Bank may offer trust services, depending on its specific offerings and capabilities as a division of First Citizens Bank. Trust services typically involve managing assets on behalf of individuals, families, or organizations, according to the terms of a trust agreement. These services can include investment management, estate planning, and fiduciary services. Individuals interested in trust services should contact CIT Bank directly to discuss their needs and explore available options.

Trust Services Options

Asset Management: Managing assets according to the terms of a trust agreement.
Estate Planning: Assisting with estate planning needs.
Fiduciary Services: Acting as a fiduciary on behalf of clients.

33. Can I Get A Loan From CIT Bank?

Yes, you can obtain a loan from CIT Bank, now part of First Citizens Bank, which offers a variety of lending solutions for both individuals and businesses. CIT Bank provides home loans, commercial lending, and other financing options to meet diverse needs. Individuals can explore mortgage options for purchasing or refinancing their homes, while businesses can access term loans, lines of credit, and equipment financing to support their operations and growth.

Lending Options Available at CIT Bank

Home Loans: Mortgage solutions for purchasing or refinancing homes.
Commercial Lending: Term loans, lines of credit, and equipment financing for businesses.
Personal Loans: Options for various personal financial needs.

34. What Are The Long-Term Prospects Of CIT Bank?

The long-term prospects of CIT Bank, now operating as a division of First Citizens Bank, appear positive, given the stability and resources provided by the merger. First Citizens Bank is a well-established institution with a strong financial foundation, which enhances CIT Bank’s ability to grow and serve its customers effectively. The combined entity is likely to leverage its strengths in online banking, competitive interest rates, and diverse lending solutions to attract and retain customers in the long run.

Factors Contributing to Positive Long-Term Prospects

Stability and Resources: Enhanced by the merger with First Citizens Bank.
Strengths in Online Banking: Competitive interest rates and diverse lending solutions.
Customer Attraction and Retention: Ability to attract and retain customers over the long term.

35. What Are Some Tips For Maximizing My Savings With CIT Bank?

To maximize your savings with CIT Bank, now a division of First Citizens Bank, consider the following tips:

Take advantage of high-yield savings accounts: CIT Bank often offers competitive interest rates on its savings accounts, which can help you grow your money faster.
Consider certificates of deposit (CDs): CDs offer fixed interest rates for a specific term, providing a secure way to save with guaranteed returns.
Set up automatic transfers: Automate your savings by setting up regular transfers from your checking account to your CIT Bank savings account.
Monitor your account regularly: Keep an eye on your account balance and interest earnings to ensure you’re on track to meet your savings goals.

Tips for Maximizing Savings

High-Yield Savings Accounts: Utilize competitive interest rates.
Certificates of Deposit (CDs): Secure fixed interest rates.
Automatic Transfers: Automate savings with regular transfers.
Regular Monitoring: Track account balance and interest earnings.

FAQ About CIT Bank

Is CIT Bank FDIC insured?

Yes, CIT Bank is FDIC-insured, providing deposit insurance up to $250,000 per depositor, per insured bank.

Does CIT Bank have physical branches?

No, CIT Bank primarily operates online and does not have physical branches.

What types of accounts does CIT Bank offer?

CIT Bank offers high-yield savings accounts, certificates of deposit (CDs), and home loans, among other financial products.

How can I access my money at CIT Bank?

You can access your money through online banking, mobile banking, and ATM networks using your CIT Bank debit card.

What are the fees associated with CIT Bank accounts?

CIT Bank typically has low or no monthly maintenance fees, but other fees may apply for certain transactions, such as wire transfers or excessive withdrawals.

How competitive are CIT Bank’s interest rates?

CIT Bank generally offers competitive interest rates on its savings accounts and CDs compared to traditional banks.

What happens to my CIT Bank account after the First Citizens Bank merger?

Existing CIT Bank customers can expect a transition period, with potential changes to account numbers and online banking interfaces.

Can foreigners open an account with CIT Bank?

Yes, foreigners may be able to open an account with CIT Bank, subject to certain documentation and compliance requirements.

Does CIT Bank offer mobile check deposit?

Yes, CIT Bank offers mobile check deposit through its mobile app.

How do I contact CIT Bank customer service?

You can contact CIT Bank customer service via email, live chat, or phone.

Conclusion: Is CIT a Good Bank for You?

Deciding whether CIT Bank is a good fit for your financial needs depends on your individual preferences and priorities. If you value competitive interest rates, online convenience, and FDIC insurance, CIT Bank can be a solid option. However, if you prefer in-person banking services and a wider range of financial products, you may want to consider other alternatives.

At bankprofits.net, we offer in-depth analyses of various banks and financial products to help you make informed decisions. Visit our website to explore more resources and find the best banking solutions for your unique situation.

Ready to take control of your financial future? Visit bankprofits.net today to explore our expert analyses and strategies for maximizing your bank profits. Contact us at Address: 33 Liberty Street, New York, NY 10045, United States. Phone: +1 (212) 720-5000. Our team is ready to help you make informed decisions and achieve your financial goals.