FDIC-Insured
- Backed by the full faith and credit of the U.S. Government
To report a lost or stolen debit card please call 407.545.2662 during normal operating hours. After hours, please call 1.800.500.1044 immediately or access www.visa.com
Our Bank Routing and Transit Number is: 063114661
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Flexible and secure checking accounts are the cornerstone of banking philosophy. With numerous account options and plenty of local banking experts, you can be sure to find the perfect solution for your banking needs.
At Cogent Bank, we offer three distinct checking account options so that our clients can find the right match for their unique requirements—whether you’re looking for a free checking account with no minimum balance or an account that earns interest. And all of our accounts come with standard features and benefits including free online banking and bill pay and no transaction fees. Not sure which account to choose? A Cogent associate can answer your questions and help you open a checking account that works for you.
| Personal Free Checking | Personal Interest Checking | Prestige Interest Checking (50+) | |
|---|---|---|---|
| Minimum Balance Requirement | $0 | $0 | $0 |
| Monthly Service Charge | $0.00 | $10.00 | $0.00 |
| Waived if: | N/A | $1,000 Average Daily Balance is maintained | N/A |
| Interest Rate | No | Yes – Tiered Rates Applicable | Yes |
| Features | No minimum balance requirement | No minimum balance requirement | |
| No transaction fees | No transaction fees | No transaction fees | |
| Free Online Banking and Bill Pay | Free Online Banking and Bill Pay | Free Online Banking and Bill Pay | |
| Free first order of 50 standard checks | Free first order of 50 standard checks | Free checks (select style) | |
| Free 24 hour Bank by Phone | Free 24 hour Bank by Phone | Free 24 hour Bank by Phone | |
| Free e-statement | Free e-statement | Free e-statement | |
| 50% discount safe deposit box 1st year | |||
| Free VISA® Debit Card | Free VISA® Debit Card | Free VISA® Debit Card | |
| Free mobile banking & mobile deposit capture | Free mobile banking & mobile deposit capture | Free mobile banking & mobile deposit capture | |
| Other Charges | Check and deposit ticket orders | Check and deposit ticket orders | Check and deposit ticket orders |
We know that each community we serve has a diverse range of banking needs within it, from individuals depositing their first paychecks to parents managing the household budget. We strive to provide a variety of personal banking accounts that suit your current needs and long-term financial goals, paired with dedicated and reliable service.
Contact or visit one of our Banking Centers to learn more about our checking and savings account options today.