Cogni - Mobile Banking 4+

Join the Banking Revolution

Cogni, Incorporated

Designed for iPhone

    • 4.7 • 1.1K Ratings
    • Free

iPhone Screenshots


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

Terms and Conditions:

• Learn more about our account terms by visiting our Terms and Conditions Policy at
• 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.

What’s New

Version 3.4.5

Introducing the All-New Web 3 Wallet Screen! We've made managing your crypto easier than ever with our latest update

Ratings and Reviews

4.7 out of 5
1.1K Ratings

1.1K Ratings

ChoBro_VT ,

Best online banking app out there!

I have used a local credit union as my main bank for 8 years and I have made the switch to Cogni. I love the in app money sharing it's like venmo on steroids. I also love the customer service you get when signing up with this company. They always have an answer to my questions. It took Just about 5 days for my funds to transfer the first time, but customer service answered every call. Was nervous at first but all is well and I love it. Switching my direct deposit over to Cogni along with a few co-workers. Cool App and great cards!

Twixxhorton ,

Not helpful at all

I’d previously had account with them for a short time and actually closed the account on the same day in which I didn’t know what’s my purpose of opening the account for. My attention was that I was gonna use it for a backup account in case something happens to my primary bank. What really not helpful is on the same day when I closed my account, the customer service representative didn’t inform me that whenever you closed the account with them, you wouldn’t be able to open another account with them. What they could have least told me was if I didn’t want to use the account, just simply logged off your account and come back anytime to logged back on your instead of them closing it and didn’t inform their former customers. I don’t really know why they design it like that but it needs to be fixed immediately! You never know that they have former customers that wanted to come back. If I could give them zero stars, I would give them zero stars to this app and the customer service representatives and their other team that flat out lie to me about they didn’t see my email. I’d mostly definitely will not recommend them to nobody until they get this fixed!


Customer Service Phenomenal/ Functionality Trash

Can’t do squat with the card but when one calls to ask why that’s the case, one’s met with professional, empathetic customer support specialists ready to hear you complain about the card and offer limited to no answers because there aren’t any and there’s no actual features to the card or account at all.

If doesn’t work with Plaid, doesn’t work with cash app, no go on Apple Pay, Google pay, Samsung pay. I can’t find an app it fully works with at all, has direct deposit problems, the app itself is garbage, it’s worse than a prepaid card though the card itself is nice looking. Cool.

If excellent CSR support is what you’re craving for an account that’s essentially worthless aside from the cash you put in, then this is the account for you.

App Privacy

The developer, Cogni, Incorporated, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Contact Info

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Contact Info

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

You Might Also Like