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.
Cogent Bank is the bank that focuses on you — your responsibilities, your goals, and your dreams for the future. We offer a wide range of savings account options to help meet your unique needs.
Personal
Checking
Savings and
Money Market
Savings
Goal
College
Savings
Retirement
Planner
Investment Goal
Calculator
FDIC Insurance
Calculator
With a Visa Debit Card, you can access your funds 24/7 and make purchases at millions of locations that accept Visa. All Cogent checking accounts offer a free Visa Debit Card.
A Cogent Bank certificate of deposit (CD) is an investment you can count on. Take advantage of fixed rates so you always know the return you’re getting.
Our 9-month Freedom CD provides the flexibility and convenience to make deposits and withdrawals without penalty, when certain requirements are met.
1One (1) penalty free withdrawal of principal per calendar month is permitted; the withdrawal must be for at least $1,000; the account must be opened (or renewed) for at least 7 days; no previous withdrawal may have occurred in the last 30 days; the withdrawal must be deposited into a checking account with our bank.
Cogent Bank offers a variety of personal deposit accounts, including personal checking accounts, savings accounts, money market accounts, certificates of deposit (CDs), and specialized savings solutions designed to help you meet your financial goals.
The right account depends on your financial goals and banking habits. Whether you’re looking for everyday spending, earning interest, or saving for the future, Cogent Bank offers checking, savings, money market, and CD options to fit a variety of needs.
Both accounts help you earn interest while saving money. A money market account typically offers tiered interest rates and may be better suited for customers who maintain higher balances, while a traditional savings account is ideal for everyday saving goals.
A Certificate of Deposit (CD) is a savings product that offers a fixed interest rate for a specified term. Cogent Bank offers CDs with maturities ranging from 7 days to 5 years, providing guaranteed returns for customers who keep their funds on deposit for the selected term.
Cogent Bank’s 9-Month Freedom CD offers the flexibility to make additional deposits throughout the term and withdraw principal once per calendar month without an early withdrawal penalty when program requirements are met.
Yes. Eligible deposit accounts at Cogent Bank are FDIC insured up to the applicable legal limits. Customers with larger balances may also benefit from solutions such as ICS® (Insured Cash Sweep®) for expanded FDIC insurance coverage.
Yes. All Cogent Bank personal checking accounts include a free Visa® Debit Card, giving customers convenient access to their funds 24 hours a day for purchases and ATM transactions.
Yes. Cogent Bank offers secure online and mobile banking, allowing customers to check balances, transfer funds, deposit checks, pay bills, and manage accounts from virtually anywhere.
Yes. Cogent Bank offers online financial calculators to help estimate savings growth, college savings, retirement planning, investment goals, and FDIC insurance coverage so you can make more informed financial decisions.
A personal savings account helps you set aside money for emergencies, future purchases, and long-term financial goals while earning interest and maintaining convenient access to your funds.
Yes. Customers can begin the process of opening a personal deposit account online or visit a Cogent Bank banking center to receive assistance from a relationship banker.
Cogent Bank combines personalized relationship banking with a wide selection of deposit products, competitive savings options, digital banking tools, and knowledgeable local bankers who focus on helping customers reach their financial goals.
Yes. Whether you’re saving for retirement, college expenses, a home purchase, or future investments, Cogent Bank offers savings accounts, CDs, money market accounts, and planning calculators to help you achieve your goals.
Customers can access their accounts through Cogent Bank’s banking centers, online banking platform, mobile banking app, ATMs, and Visa® Debit Cards, providing convenient banking wherever they are.
Contact a Cogent Bank relationship banker or visit a local banking center to compare checking, savings, money market, and CD options and open the account that best fits your financial needs.