Welcome to the Future of Banking.

Cogni the people-driven digital banking app designed with YOU in mind. We have created a secure digital banking platform that provides easy access without charging any unnecessary or hidden fees. Deposit your money, spend and track your money and make payments all within the comfort of the easy-to-use mobile app.

Open a Cogni Account and Join the Banking Revolution.

• No account maintenance fees.
• No minimum balance requirement fees.
• No overdrafts.
• Cogni Pay allows you to transfer money free and instantly.
• Freeze your card and report fraudulent or unauthorized transactions in the app.


Free ATMs*:

• No fees at over 55,000 Allpoint ATM locations worldwide.
• Find the nearest location using the Allpoint ATM locator in the mobile app.
• Traveling abroad, we have you covered! Access to over 15,000 international Allpoint ATMs.


Quick and Easy Access to Your Account with No Hassle:

• Make Instant and Free money transfers with Cogni Pay.
• Your Digital and Single-Use Cards are found within the app and offer separate card numbers and security details, allowing you easy access to your money even when your Primary Card is not present.
• Easy to read transaction history and statements viewable within the app.
• Lost your Primary Card? No worries. Freeze the card and report fraud right in the app.
• Was your Primary Card stolen? Conveniently report this in the app and we will send you a new card.


Your Banking Solutions Found in One Place:

• Freeze a card and Report a card lost or stolen.
• Dispute transactions.
• Track spending.
• Generate single-use cards.
• Set account activity notifications.


More Ways to Deposit Funds into Cogni:

• Set up direct deposit.
• Make Instant and Free money transfers with Cogni Pay.
• Visit participating Visa ReadyLink locations to deposit cash.


Your Money Is Always Safe and Secure with Cogni:

• Your Account is FDIC insured up to $250,000.00.
• Your data is protected with advanced 256-bit AES level encryption, multi-factor authentication, Touch ID and Face ID, and employ strong internal access controls and audited processes.
• Generate Unlimited Single-Use Cards to safeguard your account when making online or in-app purchases.


Make Payments and Transfers:

• No checkbook but we offer the option to generate and send checks for free.
• Cogni Pay allows you to transfer money fast and free to your Cogni friends.

* Digital Gift Cards and Pay Early features displayed in the tiles are coming soon.


Privacy Policy:

• Learn how we collect and use your information by visiting our Privacy Policy at https://getcogni.com/terms-and-privacy/mobile.html


Terms and Conditions:

• Learn more about our account terms by visiting our Terms and Conditions Policy at https://getcogni.com/terms-and-privacy/mobile.html
• Terms and Conditions contain Cogni’s fee schedule.



*The Cogni Debit Card is issued by Community Federal Savings Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

*Allpoint Network – over 55,000 fee-free ATM locations worldwide

*Visa ReadyLink: When reloading your card at Visa ReadyLink Cash Deposit locations, funds will be available in 30 minutes or less. Fees vary by participating retailers but are typically $4.95 or less. Visa ReadyLink Cash Deposit locations may be found using the locator in the app.