Association Banking - Cogent Bank

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Our Bank Routing and Transit Number is: 063114661

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Business Banking      Industry Specialties      Association Banking

Association Banking

Working with our experienced bankers who know your unique needs.

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Time-Saving and Smart Solutions

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 a country club or 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.

Meet the Association Banking Team

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 country club financial management. Reach out to us today to learn more about specialty banking for HOAs and see what we can do for your association.

Brandon R. Box
Brandon R. Box
EVP, Southwest Florida Market President
Location: Fort Myers and Naples
Julie Celozzi
Julie Celozzi
VP, Banking Center Manager
Location: Fort Myers
Charissa Eller
Charissa Eller
Commercial Relationship Manager
Location: Winter Park
Sean Friend
Sean Friend
SVP, Commercial Relationship Manager
Location: Fort Myers and Naples
Traci Smith
Traci Smith
SVP, Director of Treasury Sales and Strategic Partnerships
Location: Orlando

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    Commercial Loans

    Whether you need to fund a construction project all at once, pay insurance premiums ahead of time or make improvements not covered by insurance, we have a loan product that’s right for your association. With an easy application process and local decision-making, we can provide a quick turnaround for your lending needs when you need it the most, as well as local project oversight to ensure everything goes as planned. Use our commercial loans and lines of credit to finance a variety of your association’s expenses.

    Financing for a variety of needs:

    • Construction loans
    • Term loans
    • Emergency and Hurricane Lines of Credit

    Easy Application Process

    • Local decision making
    • Local project oversight
    • Quick turn around

    Banking Solutions

    Earn a competitive rate of return on deposits and reduce fees. We offer a suite of accounts and services to allow you to efficiently manage your association’s cash flow, including:

    • Operating (Checking) and Reserve (Savings) Accounts
    • Electronic account opening and signature cards to make setting up new accounts and changing signors a breeze
    • Insured Cash Sweep (ISC) and CDARDS options to keep you 100% FDIC insured
    • Accounting Systems integration: Easily manage your bank accounts, transfer funds, and reconcile statements in one familiar platform or custom integration with your preferred accounting software. We are fully (or are in discussions) with most software systems including VMS, TOPS, VANTACA, CINC CALIBER, and others.
    • Integrated payment solutions: Consolidate payments in a single platform and get all of your payments on time with exception item processing

    We offer electronic signature cards which streamlines changing signors or new account set-up.

    Treasury Management Services

    Our Treasury Management Service designed for Associations help you efficiently collect receivables, manage payables, monitor account activity, and maximize investments – all to make your cash work harder for you.

    Cogent Connection

    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.

    Managing Income – Fast and Efficient Payment Processing

    • Remote Deposit Capture (RDC)
    • Lockbox Services
    • Merchant Credit Card Processing
    • Automated Clearing House (ACH) Payment Processing

    Managing Accounts Payable – Oversight and Control

    • Remote Deposit Capture (RDC)
    • Lockbox Services
    • Merchant Credit Card Processing
    • Automated Clearing House (ACH) Payment Processing
    • All payments consolidated into a single platform
    • 100% of collection date in real-time by payment type
    • Custom integration with your accounting software
    • Exception items processed
    • CINC Partner Bank

    Fraud Protection – Security and Safety

    • ACH Blocks and Filters
    • Positive Pay

    Superior
    Client Service

    We not only have all the products and services job easier, but we also have local bankers ready to meet in person or take your call when questions arise.

    • Local banking team
    • Property Management Support Team
    • CINC Partner Bank
    • Electronic Accounting Opening and Signature Cards

    FLCAJ Readers
    Choice Awards

    Local, Dedicated Service

    As a Florida-based financial institution, we understand the unique requirements of our association clientele. We are committed to offering attentive service, including:

    • Property Management Support Team to help you simplify your day-to-day business
    • Local oversight for larger, financed projects
    • Accessible and locally experienced banking team

    Choose Cogent Bank

    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 country club financial management. Reach out to us today to learn more about specialty banking for HOAs and see what we can do for your association.

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