FDIC-Insured
- Backed by the full faith and credit of the U.S. Government
To report a lost or stolen debit card please call 1.888.577.0404 during normal operating hours. After hours, please call 1.800.500.1044 immediately or access www.visa.com
Our Bank Routing and Transit Number is: 063114661
You will be linking to another website not owned or operated by Cogent Bank. Cogent Bank is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Cogent Bank of any information in any hyperlinked site. We encourage you to review their privacy and security policies which may differ from Cogent Bank.
If you "Proceed", the link will open in a new window.
You are leaving Cogent Bank and going to Cogent Private Wealth, a boutique advisory firm offering comprehensive financial planning and investment management services. Some of their products are NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY; NOT GUARANTEED BY THE BANK; and MAY LOSE VALUE.
If you "Proceed", the link will open in a new window.
Please note that by clicking on this email address, you are leaving the Cogent Bank website and accessing an external email platform. Cogent Bank has no control over the content of any communications contained within this platform and cannot be held responsible for any information exchanged. We caution users to be careful when sharing any personal or sensitive information via email, as it may be intercepted or misused by third parties. By using this email platform, you accept full responsibility for any risks that may arise from its use.
If you "Proceed", the link will open in a new window.
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 | Non-Profit Checking | |
|---|---|---|---|---|---|
| Minimum Opening Balance | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Monthly Maintenance Fee | $0.00 | $50.00 | See Business Analysis Fee Schedule | $0.00 | $15.00 |
| Monthly Fee Waived If | No minimum balance requirement | $50,000 Average Daily Balance is maintained | Deposit balances receive an earnings credit to offset monthly maintenance & other service fees. | No minimum balance requirement | $5,000 Average Daily Balance is maintained |
| Earns Interest | No | No | Earnings Credit | Interest paid to Florida Bar Association and ECR Credit for Operating Account | Yes |
| Features | Includes 500 transactions per month (Checks, deposits, deposited items, ACH) | Includes 250 transactions per month (Checks, deposits, deposited items, ACH) | |||
| ACH Origination Not Available | ACH Origination available (up to 3 accounts). No charge for first 100 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 | ACH Origination available. No charge for first 50 originated items. $0.50 for each item after. | |
| Fraud Control Services available-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). | Fraud Control Services included – Check Positive Pay and ACH Positive Pay | |||
| 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 | Includes Remote Deposit Capture & Single Feed Scanner | |
| Free incoming wires | |||||
| Expanded FDIC insurance coverage available through our deposit network program | Expanded FDIC insurance coverage available through our deposit network program | Expanded FDIC insurance coverage available through our deposit network program | Expanded FDIC insurance coverage available through our deposit network program | Expanded FDIC insurance coverage available through our deposit network program | |
| Cogent Connection Express & Bill Pay | Cogent Connection Lite & Bill Pay | Cogent Connection & Bill Pay | Cogent Connection & Bill Pay | Cogent Connection & 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 24-hour Bank by Phone | |
| Free e-statement | 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 mobile banking & mobile deposit capture | |
| Free Online Stop Payments and Bank Cashier’s checks | Free Online Stop Payments and Bank Cashier’s checks | Free Online Stop Payments | |||
| Other Charges | $.50 per transaction if 500 transaction limit is exceeded | $.50 per transaction if 250 transaction limit is exceeded | |||
| Additional Fees may apply | Additional Fees may apply | Additional Fees may apply | Additional Fees may apply | Additional Fees may apply | |
| Check and deposit ticket orders | Check and deposit ticket orders | Check and deposit ticket orders | Check and deposit ticket orders | Check and deposit ticket orders |
All accounts are subject to approval. Other fees, terms, and conditions may apply.
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!