FDIC-Insured
- Backed by the full faith and credit of the U.S. Government
To report a lost or stolen debit card please call 407.545.2662 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
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Cogent Bank is the bank that focuses on you — your responsibilities, your goals, your dreams for the future. We offer a wide range of savings account options to help meet your unique needs.
At Cogent Bank, we offer three distinct savings options designed to fit different financial goals—Personal Savings, Minor Savings, and Personal Money Market. All three accounts feature free online and mobile banking, e-statements, and six free withdrawals per statement cycle. Personal Savings requires a $5 monthly service charge unless you maintain a $300 average daily balance, while Minor Savings comes with no monthly fee. For those looking to maximize returns, our Personal Money Market account offers tiered interest rates, with a $10 monthly service charge waived by maintaining a $2,500 average daily balance. Not sure which account is right for you? A Cogent associate can walk you through the details and help you open the savings account that works best for your needs.
| Personal Savings | Minor Savings | Personal Money Market | |
|---|---|---|---|
| Minimum Opening Balance | $0 | $0 | $0 |
| Monthly Service Charge | $5.00 | $0.00 | $10.00 |
| Waived if: | $300 Average Daily Balance is maintained | N/A | $2,500 Average Daily Balance is maintained |
| Interest Rate | Yes | Yes | Yes – Tiered Rates Applicable |
| Six free withdrawals per statement cycle¹ | Six free withdrawals per statement cycle¹ | Six free withdrawals per statement cycle¹ | |
| Free Online Banking | Free Online Banking | Free Online Banking | |
| 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 | |
| Other Charges | Check and deposit orders |
We know that each community we serve has a diverse range of banking needs within it, from individuals depositing their first paychecks to parents managing the household budget. We strive to provide a variety of personal banking accounts that suit your current needs and long-term financial goals, paired with dedicated and reliable service.
Contact or visit one of our Banking Centers to learn more about our checking and savings account options today.
¹During any statement cycle you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer or by check, draft, debit card or similar order to a third party.
A charge per withdrawal will be assessed after the sixth withdrawal per statement cycle. Please refer to the Fee Schedule.
Fees may reduce earnings.