Compare Checking & Savings Accounts | Cogent Bank - Serving Florida

Lost or Stolen Debit Card

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

Routing Number

Our Bank Routing and Transit Number is: 063114661

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Personal Banking      Banking      Deposits


With numerous account options and plenty of local banking experts, you can be sure to find the perfect solution for your banking needs.

Checking, Personal Savings
and Money Market Accounts

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.


Savings and
Money Market




Investment Goal

VISA Debit Cards are
fast, easy, and convenient

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.

Certificates of Deposit (CDs)

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.

  • Fixed rates for guaranteed returns
  • Maturities available from 7 days to 5 years
  • Receive higher rates by selecting a longer term
  • Earnings compounded daily, credited monthly
  • Convenient automatic renewal
  • Penalty for early withdrawal
  • FDIC insured up to $250,000

9-Month Freedom CD

Our 9-month Freedom CD provides the flexibility and convenience to make deposits and withdrawals without penalty, when certain requirements are met.

  • The Freedom CD is a 9-month certificate of deposit
  • Add funds to the CD at any time
  • Ability to withdraw funds once per month with no early withdrawal penalty1
  • Earn a fixed rate interest rate
  • Interest is compounded and paid quarterly
  • Interest can be credited back to the certificate of deposit or another Cogent Bank account
  • $25,000 minimum deposit required

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.

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