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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
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.
Association Banking provides specialized financial solutions for homeowners associations (HOAs), condominium associations, community associations, property management companies, and other association-based organizations. Cogent Bank offers customized banking, treasury management, and lending solutions designed to simplify financial management and support long-term community success.
Cogent Bank serves homeowners associations (HOAs), condominium associations, community associations, property management companies, and other organizations responsible for managing community finances and operations.
Cogent Bank offers association checking and deposit accounts, treasury management services, digital banking, reserve account solutions, and commercial lending products to help associations manage daily operations and long-term financial planning.
Treasury Management services help associations automate collections and payments, improve cash flow, reduce manual processes, strengthen fraud prevention, and simplify day-to-day financial operations.
Yes. Cogent Bank provides lending solutions that may help associations finance capital improvements, maintenance projects, emergency repairs, renovations, and other community needs. Financing options are customized based on each association’s goals and qualifications.
Yes. Cogent Bank offers deposit solutions that allow associations to manage operating funds and reserve accounts while maintaining easy access to their finances and supporting long-term financial planning.
Yes. Associations have access to secure online and mobile banking tools that allow authorized users to monitor balances, transfer funds, approve transactions, and manage accounts from virtually anywhere.
Cogent Bank provides treasury management services and fraud prevention tools that help associations safeguard funds, monitor transactions, and reduce the risk of payment fraud.
Community associations have unique operational, budgeting, and reserve funding needs. Cogent Bank’s experienced Association Banking team understands these challenges and provides customized financial solutions backed by personalized service.
Yes. Cogent Bank offers treasury management, digital banking, and customized deposit solutions that help associations manage assessments, vendor payments, reserves, and operating funds more efficiently.
Associations are generally asked to provide governing documents, tax identification information, authorized signer information, board resolutions, and other documentation necessary to establish accounts or apply for banking services.
Yes. Cogent Bank serves community associations throughout Florida through its network of banking centers and dedicated Association Banking professionals.
Cogent Bank combines relationship-based banking with experienced association bankers, local decision-making, responsive service, and customized financial solutions designed specifically for community associations.
Yes. Cogent Bank regularly shares educational articles and financial insights covering budgeting, fraud prevention, banking best practices, and financial planning for community associations.
Contact a Cogent Bank Association Banking specialist to discuss your community’s financial goals and learn about customized deposit accounts, treasury management services, reserve solutions, and lending options.
