Check Positive Pay - 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

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.




Check Positive Pay

Positive Pay provides daily protection against losses due to fraudulent check payments and the cashing of unauthorized checks presented at a Cogent Banking Center.

  • As checks are presented for payment , we systematically compare the dollar amount and check number to your check issue file. If the check does not match, we present this item for a “pay or no pay” decision via Online Banking.
  • Eliminates potential check fraud