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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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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With comprehensive offerings and local service, you can rest assured your business is in good hands.
Business Checking
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Calculate Your FDIC Deposit Insurance Coverage
Maximize your savings with competitive interest rates, flexible terms, and transparent fees.
For businesses seeking to earn competitive interest while maintaining liquidity, we offer two savings account options.
Whether you’re setting funds aside for a major purchase, unforeseen expenses, or a long-term investment, our business savings accounts offer flexibility. You can open either one of these accounts with no minimum deposit, however, a minimum balance of $0.01 is required to keep the account open.
Both accounts offer:
• Competitive, tiered interest rates that increase along with your savings amount.
• Unlimited in-person withdrawals.
• Free online account management, e-statements, and mobile deposit capture.
• Free, 24-hour bank by phone.
Our Business Savings and Money Market Accounts let you maximize your savings while maintaining liquidity. Both accounts offer tiered interest rates that increase as your account balances grow, so the more you save, the more you earn. These accounts are FDIC insured up to $250,000 per depositor., per insured bank, for each account ownership category.
Managing your business savings has never been easier with Cogent Bank’s advanced online and mobile banking platforms. Securely access your savings and money market accounts anytime, anywhere. Stay in control of your finances by monitoring balances, transferring funds, and setting up alerts to keep you informed about your account activity.
With our mobile deposit capture system, you can deposit checks directly from your business – no need to visit a branch.
When we say “no hidden fees,” we mean it! Our Business Savings Account has a $5 monthly service charge, and we’ll waive it as long as you maintain a $300 average daily balance.
For Business Money Market Accounts, there’s a $10 monthly service fee, but we’ll waive that for accounts that maintain a $2,500 average daily balance. There’s also a fee for check and deposit orders.
While both business savings accounts offer, federal regulations limit you to six withdrawals or transfers per statement cycle when moving funds to your own or third-party accounts. This includes preauthorized transfers, automatic, telephone, online transfers, checks, drafts, debit card transactions, or similar methods. Any withdrawals beyond six per cycle may incur fees as outlined in our Fee Schedule. Getting started is easy; click here to open a business savings account or money market online!
Saving and Money Market
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A Cogent Bank certificate of deposit (CD) is an investment you can count on. Take advantage of fixed rates so you always know the return you’re getting.
Our 9-month Freedom CD provides the flexibility and convenience to make deposits and withdrawals without penalty, when certain requirements are met.
1One (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.
With a Visa Debit Card, you can access your funds 24/7 and make purchases at millions of locations that accept Visa. All Cogent checking accounts offer a free Visa Debit Card.
