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Work with a dedicated Community Association and Property Management specialist.
As a community bank with an in-depth understanding of the factors affecting local condominium and homeowner associations, our specialized team of bankers focuses specifically on associations, providing access to advanced technology solutions and a commitment to superior client service. Whether you’re seeking an HOA banking partner for everyday financial management or a flexible, community-based lender, we have the right options to help your association run with efficiency today while laying the groundwork for tomorrow’s growth.
Community associations thrive in Florida, and we are proud to specialize in services that cater to them, from banking for homeowners’ associations and condo associations to products for effective financial management. Reach out to us today to learn more about specialty banking for HOAs and see what we can do for your association.
Statewide Association Banking Leadership Team
With decades of specialized experience in Association Banking, our dedicated Sales Team is here to support you and your Association. Connect with one of our knowledgeable sales leaders today—we’re ready to help you move your association forward.
Traci Smith
EVP, Director of Treasury Sales and Strategic Partnerships
Email Me
Office: 321.414.2173
Mobile: 407.590.4664
Our Association Banking team serves communities across Florida, with dedicated specialists in key markets.
Earn a competitive rate of return on association deposits and reduce fees. We offer a suite of accounts and services to allow you to efficiently manage your association’s cash flow, including:
Association Checking
Included Features/Services:
No Minimum Balance Requirement
Association Money Market
Included Features/Services
No Minimum Balance Requirement
Freedom CD
Included Features/Services
*One (1) penalty free withdrawal of principal per calendar month is permitted; the withdrawal must be for at least $1,000; the account must be opened (or renewed) for at least 7 days; no previous withdrawal may have occurred in the last 30 days; the withdrawal must be deposited into a checking account with our bank.
** Interest Rate **Annual Percentage Yield. Annual Percentage yield and interest rates are demand accounts and subject to change after the account is opened. Fees could reduce earnings on account.
Cogent Association Banking is a dedicated team of experienced bankers offering comprehensive lending solutions and local decision making while providing customized loan structures. By using state-of-the-art technology, the result is a streamlined application process and expedited turnaround times.
Lines of Credit
Acquisition and Capital Improvement Term Loans
Benefits
Our Treasury Management Service designed for Associations helps you efficiently collect receivables, manage payables, monitor account activity, and maximize investments — all to make your cash work harder for you.
Our online banking solution helps manage your accounts more efficiently. Get real-time information about your accounts 24/7, pay and receive bills online, originate wire transfers online and more.
We not only have all the products and services to make your job easier, but we also have local bankers ready to meet in person or take your call when questions arise.
As a Florida-based financial institution, we understand the unique requirements of our association clientele. We are committed to offering attentive service, including:
Community associations thrive here in Florida, and we are proud to specialize in services that cater to them, from banking for homeowners’ associations and condo associations to products for effective financial management. Reach out to us today to learn more about specialty banking for HOAs and see what we can do for your association.
