Private Banking & Lending Services in Florida | Cogent Bank

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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Private Banking
Private Banking

An Exceptional Financial Experience

As a Private Banking client, you’ll receive personalized service from an expert team committed to understanding your financial needs.

You’ve Worked Hard for Your Money

We’ll make sure it works hard for you.

Regardless of where your financial goals are focused, strategic borrowing and thoughtful use of credit can increase the power of your wealth.  We offer custom credit strategies tailored to your needs, whether you’re looking for liquidity, funding for an investment opportunity, or a lifestyle purchase, we can help our clients by:

Providing personal banking, deposit, and lending options

Securing working capital and corporate loans

Implementing treasury management solutions


Your goals are our goals. We will take the time to understand your unique aspirations and recommend solutions best-suited to your objectives. Our banking services are designed for you and your dedicated Private Banker will ensure they are delivered in a personalized manner.

We provide:

  • Platinum Checking Account
  • Platinum Money Market Account
  • Business Checking Accounts
  • Certificate of Deposits
  • Individual Retirement Accounts

As a Private Banking client, you’ll enjoy customized lending solutions designed to help you achieve your goals. Your dedicated Private Banker be with you every step of the way to ensure an efficient experience delivered with top-notch service.  

We provide:

  • Mortgage loans and lines of credit on primary and secondary residences
  • Personal loans and lines of credit
  • Investment lines of credit
  • Business loans
  • Business investment loans
  • Letters of credit
  • Premium Finance


As a Cogent Private Banking client, we’ll get to know you and develop a plan that supports your needs, goals and aspirations. In addition to having a dedicated local Private Banker, we also offer a robust suite of online banking resources where you can pay bills, make deposits, transfer funds, and view balance information from your computer or through our mobile app on your cell phone any time.

We make banking easy and convenient. You define how you want to do business with us — in person, by phone, or online.

Private Banking Team

Your local Cogent Private Banking team will provide you the personalized attention you deserve.

Keith Felton
Keith Felton SVP, Private Banking Relationship Manager
Location: Clearwater
Jessica Fontana
Jessica Fontana SVP, Private Banking Relationship Manager
NMLS #518225
Location: Naples
Susy Scarlatos
Susy Scarlatos Senior Vice President and Private Banking Relationship Manager
NMLS #1032402
Location: Winter Park
Trish Teague
Trish Teague SVP, Managing Director, Private Banking Central Florida
Location: Winter Park

We Are
Moving You