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We offer three types of business checking accounts, and an Interest on Lawyers’ Trust Accounts (IOLTA). They each have no balance requirements and include free e-statements, online bill pay, free mobile banking, and mobile deposit capture.
Our Business Checking account has no minimum monthly balance requirement or maintenance fee. You can make up to 200 transactions per month at no added cost, such as issuing checks, making deposits, and receiving automated clearinghouse (ACH) payments.
Business Edge Checking has no minimum balance requirement, although we’ll waive the $50 monthly maintenance fee if you maintain an average monthly balance of $50,000. It allows up to 500 free transactions per month and includes ACH origination (up to three accounts). There is no charge for your first 75 ACH payments, with a $0.50 charge for each additional payment. It includes remote deposit capture with a single feed scanner for any client depositing more than 25 checks per month. Fraud control services are available for a monthly fee.
With Analysis Checking you receive an earnings credit based on your deposit balances to offset your monthly maintenance costs and other service fees. Treasury services are available
Our IOLTA makes it easy for you to manage interest on client funds, as required by Florida law.
At Cogent Bank, we understand that managing cash flow is crucial for any successful business. Our business checking accounts are designed to provide you with the tools and features necessary to streamline your financial operations. With benefits such as no monthly maintenance fees, unlimited transactions, and convenient online banking, you can focus on growing your business without worrying about hidden costs or transaction limits. Our accounts offer easy access to your funds and the flexibility to manage your finances on your terms, helping you to optimize your cash flow and ensure smooth business operations.
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.
Cogent Bank offers three types of business checking accounts plus an Interest on Lawyers’ Trust Accounts (IOLTA) option for eligible law firms and attorneys in Florida.
Yes. Cogent Bank offers business checking accounts in Florida designed to simplify banking and support business growth.
Cogent Bank’s business checking options (including the three checking types and IOLTA) have no balance requirements.
Cogent Bank business checking accounts include free e-statements, online bill pay, free mobile banking, and mobile deposit capture.
Yes. Cogent Bank’s Business Checking account has no minimum monthly balance requirement and no monthly maintenance fee.
Cogent Bank’s standard Business Checking account includes up to 200 transactions per month at no added cost, including checks, deposits, and ACH payments received.
Business Edge Checking is a higher-activity business checking option from Cogent Bank with up to 500 free transactions per month and additional business features like ACH origination support.
Business Edge Checking has a $50 monthly maintenance fee, but Cogent Bank will waive the fee if you maintain an average monthly balance of $50,000.
Yes. Business Edge Checking includes ACH origination (up to three accounts). There is no charge for the first 75 ACH payments, then $0.50 for each additional payment.
Yes. Cogent Bank Business Edge Checking includes remote deposit capture with a single feed scanner for clients depositing more than 25 checks per month.
Cogent Bank’s Analysis Checking provides an earnings credit based on deposit balances to help offset monthly maintenance costs and other service fees. Treasury services are also available.
Yes. Cogent Bank fraud control services are available for a monthly fee.
Yes. Cogent Bank offers an IOLTA (Interest on Lawyers’ Trust Accounts) option and notes it helps attorneys manage interest on client funds as required by Florida law.
Yes. All checking accounts offer a free Visa Debit Card, with access to funds 24/7 and purchases wherever Visa is accepted.