Frequently Asked Questions - Cogent Bank
FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Lost or Stolen Debit Card

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

Routing Number

Our Bank Routing and Transit Number is: 063114661

You will be linking to another website not owned or operated by Cogent Bank. Cogent Bank is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Cogent Bank of any information in any hyperlinked site. We encourage you to review their privacy and security policies which may differ from Cogent Bank.

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You are leaving Cogent Bank and going to Cogent Private Wealth, a boutique advisory firm offering comprehensive financial planning and investment management services. Some of their products are NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY; NOT GUARANTEED BY THE BANK; and MAY LOSE VALUE.

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Frequently Asked Questions

  • How do I report a lost/stolen debit/ATM card?

    Please call 1.800.500.1044 to report a lost or stolen card.

  • How do I reorder checks?

    Use the below websites to reorder checks from Clarke American:

    Consumer Checks

    Business Checks

  • How do I add a stop payment?

    Please contact either of our banking centers during normal operating hours and we will be happy to assist you.  You can also place a stop payment through Online Banking or Cogent Connection.

  • How do I find a banking center?

    Visit any one of our banking centers today!

    Orange City Banking Center
    Phone: 386.774.0977
    Address: 1113 Saxon Blvd
    Orange City, FL 32763

    M-F: 9:00 AM – 5:00 PM 

    Orlando Banking Center
    Phone: 407.545.2662
    Address: 420 S Orange Ave
    Suite 150 Orlando, FL 32801

    M-F: 9:00 AM –  5:00 PM 

    Jacksonville Banking Center
    Phone: 904.274.8880
    Address: 5011 Gate Parkway Building 100
    Suite 150
    Jacksonville, FL 32256

    M-F: 9:00 AM to 4:00 PM

    Tampa Banking Center
    Phone: 813.492.8030
    Address: 1715 N Westshore Blvd.
    Suite 150
    Tampa, FL 33607

    M-F: 9:00 AM to 5:00 PM

    Clearwater Banking Center
    Phone: 727.477.3180
    Address: 28059 US Highway 19 N
    Clearwater, FL 33607

    M-F: 9:00 AM to 5:00 PM

    Fort Myers Office
    Phone: 239.766.8933
    Address: 14421 Metropolis Ave.
    Suite 102
    Fort Myers, FL 33912

    M-F: 9:00 AM to 5:00 PM

  • What is my ABA routing number?

    Cogent Bank’s routing number is 063114661.

  • How do I change my password for online banking?

    After logging into Online Banking, you will see an option for Password. Click on that option to change your password.

  • How do I transfer funds online?

    After logging into the Online Banking, you will find an option to transfer funds between your accounts. It’s super easy!

  • What account services can I access online?

    • Balance Information
    • History Information- includes images of checks front/back
    • Pay Bills
    • Wire Transfers
    • Transfer funds
    • Mobile Deposit
    • Reorder Checks
    • Download activity to Quicken or QuickBooks
    • Secure Email correspondence to bank personnel
    • Change your password
    • And much more!

  • How can I protect myself against Identity Fraud?

    Please remember to use caution when disclosing personal and financial information. There are a number of ways you can help protect yourself from identity theft:

    • Sign the back of your credit and debit cards.
    • Keep your credit card receipts.
    • Report lost or stolen credit cards immediately.
    • Cancel and destroy all unused cards.
    • Leave out personal information on your checks.
    • Promptly collect incoming mail.
    • Shred your junk mail.
    • Don’t drop your outgoing mail in your mailbox.
    • Review your credit reports.

    Equifax: 1.800.525.6285 or www.equifax.com

    Experian: 1.888.397.3742 or www.experian.com

    TransUnion: 1.800.680.7289 or www.transunion.com

    • Don’t give out your personal information to unsolicited requests.
    • Keep your personal information in a safe place.

  • What is phishing?

    Many financial institutions and companies that conduct business on the Internet have become the target of a form of online fraud called “phishing”.  Phishing usually take the form of unsolicited emails or pop-up Web pages. To make the phisher look official, scammers often include image and logos from legitimate companies.

  • How do I sign up for Internet Banking?

    Click the Login button on the home page. This will take you to a screen that allows you to enroll. Or copy/paste the below link into the internet browser for access. It’s fast and easy!

    Sign Up