Digital Banking Services | 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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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.

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Personal Banking      Banking      Digital Banking

Digital Banking

Give yourself the freedom to bank whenever and wherever it’s most convenient for you.

Online Banking
Sign Up

Sign up for Online Banking to access your accounts
24 hours a day, 7 days a week, from your home or office computer. It’s simple, secure and FREE!

  • Instant access to deposit, savings, and loan balance information
  • Transfer funds between accounts real time
  • View and download statements
  • Pay bills easily and quickly
  • Perform transfers among your accounts and make loan payments
  • Search history by check number, amount or date range
  • Re-order checks
  • Export history to personal finance software such as Quicken® and QuickBooks®

Mobile Banking

Fast and secure service for Cogent Bank online banking customers

  • Easily keep track of your finances on-the-go:
    • View account balances
    • Deposit checks
    • Review history
    • Transfer funds between accounts
    • Receive alerts
    • Pay bills
  • Available via any web-enabled mobile phone or device
  • Utilize this service in three convenient ways:
    • Web browsing
    • Mobile app for select Apple® and Android™ devices
    • SMS (text) banking
    • Save valuable time and effort; avoid an extra trip to a branch

Download the Cogent Bank app for fast and secure access to your accounts.

Digital Receipts via
Mobile Banking

Digital Receipts allows you to store, access, and manage your paper and emailed receipts through your mobile banking app. We use advanced AI to structure and extract the data found on receipts. Our software extracts every data point on a receipt – merchant name, date, total, taxes, category, and more.

  • Keep receipts for returns or possible insurance and warranty claims
  • Track budgets, special projects, and personal tax deductions
  • Separate business from personal expenses
  • Verify transaction details on corporate cards and create expense reports

Send Money in the Moment with Zelle®

Introducing Zelle — a fast, safe and easy way to send money in minutes1 to friends, family and others you trust, right from the Cogent Bank mobile app. Zelle makes it easy to send money to, or receive money from, people you trust with a bank account in the U.S. Find Zelle in your Cogent Bank app.

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