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- Backed by the full faith and credit of the U.S. Government
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Our Bank Routing and Transit Number is: 063114661
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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.
| Business Checking | Business Edge Checking | Analysis Checking | IOLTA | |
|---|---|---|---|---|
| Minimum Balance Requirement | $0.00 | $0.00 | $0.00 | $0.00 |
| Monthly Maintenance Fee | $0.00 | $50.00 | See pricing proforma for schedule of fees | $0.00 |
| Monthly Fee Waived If | No minimum balance requirement | $50,000 Average Monthly Balance is maintained | Deposit balances receive an earnings credit to offset monthly maintenance & other service fees | Deposit balances receive an earnings credit to offset monthly maintenance & other service fees |
| Earns Interest | No | No | Earnings Credit | Interest paid to Florida Bar Association |
| Features | Includes 200 transactions per month (Checks, deposits, deposited items, ACH) | Includes 500 transactions per month (Checks, deposits, deposited items, ACH) | ||
| ACH Origination Not Available | ACH Origination available (up to 3 accounts). No charge for first 75 originated items. $0.50 for each item after. | Treasury Services available – See pricing proforma for schedule of fees | Treasury Services available – See pricing proforma for schedule of fees | |
| Fraud Control Services available-Reverse Check Positive Pay and ACH Positive Pay (Fraud Control Package) $15 monthly fee per account | Fraud Control Services available-Check Positive Pay and ACH Positive Pay $15 a month per account (up to 3 accounts). | |||
| Remote Deposit Capture not available | Includes Remote Deposit Capture & Single Feed Scanner (for clients depositing more than 25 checks a month) | Treasury Services available | Treasury Services available | |
| Cogent Connection Express Business eBanking & Bill Pay | Cogent Connection Lite Business eBanking & Bill Pay | Cogent Connection Business eBanking & Bill Pay | Cogent Connection Business eBanking & Bill Pay | |
| Free 24-hour Bank by Phone | Free 24-hour Bank by Phone | Free 24-hour Bank by Phone | Free 24-hour Bank by Phone | |
| Free e-statement | Free e-statement | Free e-statement | Free e-statement | |
| Free mobile banking & mobile deposit capture | Free mobile banking & mobile deposit capture | Free mobile banking & mobile deposit capture | Free mobile banking & mobile deposit capture | |
| Free Online Stop Payments and Bank Cashier’s checks | Free Online Stop Payments and Bank Cashier’s checks | |||
| Other Charges | $.50 per transaction if 200 transaction limit is exceeded | $.50 per transaction if 500 transaction limit is exceeded | Check and deposit ticket orders | Check and deposit ticket orders |
| Additional Fees may apply | Additional Fees may apply | Cogent Connection Business eBanking & Bill Pay Service. Fees apply | Cogent Connection Business eBanking & Bill Pay Service. Fees apply | |
| Check and deposit ticket orders | Check and deposit ticket orders | Check and deposit ticket orders | Check and deposit ticket orders |
Every business is unique, and at Cogent Bank, we offer tailored business deposit accounts designed to meet your specific needs. Whether you’re a small startup, a growing mid-sized company, or an established enterprise, our business checking accounts are designed to adapt to your business’s changing needs. Enjoy features such as mobile check deposits, remote deposit capture, ACH and wire transfers, and integration with accounting software, all aimed at making your financial management easier and more efficient. Our dedicated business banking specialists are here to provide personalized support and guidance, helping you choose the right account and services to suit your business goals.
Security and convenience are paramount when it comes to managing your business finances. Cogent Bank’s business checking accounts offer advanced security features to protect your financial data and transactions. With our robust online and mobile banking platforms, you can manage your accounts anytime, anywhere, with peace of mind. Access real-time account information, set up alerts, and easily transfer funds between accounts with just a few clicks. Our commitment to providing a secure and user-friendly banking experience ensures that you can focus on what matters most—running your business.
Getting started is easy; click here to open a business checking account!
We understand that financial wellness is crucial for employee satisfaction and productivity. Our Cogent Employee Advantage program empowers your team with the essential banking products and personalized support, ensuring they have the tools they need to thrive.
Click here to review a list of program features and benefits designed specifically for your employees. Contact your Relationship Manager to establish this benefit for your employees today!