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Our Bank Routing and Transit Number is: 063114661
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Everyday efficiency for your business. Countless options for its specific needs.
Our diversified Treasury Management platform gives you countless options when it comes to your business finances. With more protection and flexibility than ever before, you have the ultimate control.
With Automated Clearing House (ACH) origination, you can offer direct deposit to employees, draft payments from customers, or pay vendors electronically.
This affordable service is easy to use and can save your business both time and money.
ACH Positive Pay is an online fraud mitigation service which allows you to manage ACH debits and credits posting to your business account via filters and blocks.
Business Online Payroll provides a secure, convenient and comprehensive online payroll situation. With Business Online Payroll, you can log into business online banking, enter payroll information and transmit — all in a matter of minutes!
Product Benefits
Save Time
Save Money
Gain Peace of Mind
Cogent Connection, our online banking platform, offers balance reporting services for current day and intraday account activity. Enjoy the convenience of easy access to bank statements, as well as export options for account activity , transaction image access for checks, deposit tickets, and deposited items.
Positive Pay provides daily protection against losses due to fraudulent check payments and the cashing of unauthorized checks presented at a Cogent Banking Center.
The automated collection processes we offer through Electronic Data Interchange (EDI) have multiple advantages: you accelerate payment and collection, operate more efficiently, enjoy greater flexibility, and save time and money.
On both ends of transmissions, data is received, translated, streamlined, communicated, and integrated according to various proprietary formats and standards. The result—it's understood and it's accessible.
Escrow Account Reconciliation
A 3-Way reconciliation primarily for real estate closing attorneys and title insurance companies and agents. The service maintains the accounts and ensures compliance with underwriters' and various other regulatory agency guidelines.
Sub-Accounting
We understand the demands and responsibilities associated with managing funds on behalf of others. Our Account Consolidation and Sub-Accounting Reporting helps you to eliminate the necessity of multiple bank accounts and the effort to manage them.
Cogent’s Lockbox Services are designed to accelerate the conversion of your company’s receivables into available funds while reducing mail and processing efforts. Regardless of your payment amounts or volume, Cogent has a lockbox solution that will fit your company's needs and help improve your cash flow.
Ensure your business has the tools, equipment, and support to process customer credit and debit card payments. Cogent Bank provides merchant card solutions through our service partner, Retriever Merchant Solutions. Retriever works to ensure you can accept all major credit, debit, and gift cards. Plus, they offer a wide variety of equipment to ensure you can process payments efficiently.
Simply scan checks and submit them through our secure online service. We receive the deposit and process it accordingly, getting funds credited quickly and saving you from making a trip to the bank.
Ensure your idle cash balances are systematically managed daily, maximizing available dollars for your business needs.
A Line of Credit Sweep can be linked from your operating account to your loan. Save interest expense by using our automated systems to pay down your line every night with excess funds. And if you need money to fund your operating account – the sweep will transfer from your line of credit into your operating account.
If you borrow from your line occasionally, but at other times have excess funds to invest, we can provide a Dual Sweep, which will either pay down your line or transfer balances to your investment account.
Fund your payroll, accounts payable, and other disbursement from your main operating account. Or you can deposit funds to one or more subsidiary accounts and consolidate funds in your master account. ZBAs give you the option to segregate your transactions, while eliminating the need to manually transfer funds back and forth.
Multi-tiered relationships, where an account is both a master and an account with the zero balance feature, allows for a flow of funds throughout your account structure.
