CIT Bank Savings Connect and eChecking accounts come with an ATM card you can use to access your funds. They do not charge any ATM fees, although you'll receive up to $30 a month in credit toward ATM fees from other banks. To access money in your Savings Builder or money market accounts, you can request an electronic funds transfer (ACH) or paper check free of charge. Wire transfers are also available for a small fee. Keep in mind that certain accounts may be limited to the number of transactions you can make per month. Additionally, early withdrawal from CD accounts may result in fees.