FDIC-Insured
- 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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Cogent Bank’s business savings accounts are designed to help your business grow its reserves with competitive interest rates and flexible terms. Whether you are setting aside funds for future expansion, unforeseen expenses, or long-term investments, our savings accounts offer a reliable and secure way to maximize your earnings. With easy access to your funds and a variety of account options, you can choose the one that best fits your financial strategy and goals. Benefit from our straightforward, no-hidden-fees approach, ensuring that more of your money works for your business. Explore our full range of tailored business deposit accounts to find an account that’s right for you.
| Business Savings Account¹ | Business Money Market¹ | |
|---|---|---|
| Minimum Opening Balance | $0 | $0 |
| Monthly Service Charge | $5.00 | $10.00 |
| Waived if: | $300 Average Daily Balance is maintained | $2,500 Average Daily Balance is maintained |
| Interest Rate | Yes – Tiered Rates Applicable | Yes – Tiered Rates Applicable |
| Six free withdrawals per statement cycle1 | Six free withdrawals per statement cycle1 | |
| Free Online Banking | Free Online Banking | |
| Features | Free 24 hour Bank by Phone | Free 24 hour Bank by Phone |
| Free e-statement | Free e-statement | |
| Free mobile banking & mobile deposit capture | Free mobile banking & mobile deposit capture | |
| Other Charges | Check and deposit orders |
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.
For businesses looking to earn higher interest rates while maintaining liquidity, Cogent Bank’s money market accounts provide the perfect solution. Our money market accounts offer tiered interest rates, meaning the more you save, the more you earn. Enjoy the flexibility of accessing your funds when needed, combined with the security of FDIC insurance. Whether you’re managing day-to-day operations or planning for future growth, our money market accounts provide a smart and flexible option for your business finances.
Managing your business savings has never been easier with Cogent Bank’s advanced online and mobile banking platforms. Securely access your savings and money market accounts anytime, anywhere, and stay in control of your finances. Monitor your balances, transfer funds, and set up alerts to stay informed about your account activity.
Getting started is easy; click here to open a business savings account or money market online!