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.
• 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:
• Transfer money from external bank accounts.
• Set up direct deposit.
• Remotely deposit checks using the camera on your mobile device.
• 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.
• ACH transfers funds between Cogni and external accounts for free.
• Cogni Pay allows you to transfer money fast and free to your Cogni friends.
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 locations, funds will be available in 30 minutes or less. Fees vary by participating retailers but are typically $4.95 or less. Visa ReadyLink locations may be found using the locator in the app.
The app now provides a way for new applicants to securely upload photos of requested documents to help us validate identity. This capability will only be used for those applicants where additional information is requested.
As per a suggestion from one of our members, we enhanced the Cash Deposit Locator (available on the Help menu on the Login screen) to default to your home zip code, so hopefully it is more useful when searching. Keep the feedback coming!
Ratings and ReviewsSee All
As the pandemic unfold, the world is at a place needing a bigger boost to the digital world. I came across the Cogni Banking app, thought I should give it a try since it is relatively new. The no fee and seamless onboarding process makes it painless to get into my new account. Though it didn’t surprised me at first with it’s initial offerings, but I’ve gone through couple app updates and I can only say Cogni has been constantly improving since I first joined. The app is getting better and better, there are still some places can be improve upon, but hey it’s a startup, I can only imagine it gets better and better. The Cogni Pay is definitely new to me, it really is instant and my friends can cash out at an ATM after just few seconds I sent them $. I’ve been pushing my friends to join so that it can help me transfer $ to my friends easily. I would really hope Cogni can build onto Cogni Pay more to make it work in other functions, or in different way I can’t imagine. Obviously I’m no expert in this area so I’ll leave it to the experts. hopefully it can change the way I think about banking and eventually make it my main checking account. Great Job!
Would love Cogni to be my main account
I just opened my account and everything in the app is so simple and easy and customer service is good. Love the many options to fund the account. However, I wish direct deposit was made available sooner such as Chime and N26 bank. I currently have a PNC main account, an N26 account and this new Cogni account. I want to leave PNC. I am deciding which account to keep as my main account between N26 and Cogni. N26 makes my direct deposit available on Wednesday’s instead of Friday’s and the card is eligible for ApplePay. If Cogni adds mobile check deposit, makes direct deposit available sooner and if the card is eligible for ApplePay I will close all my other accounts. Please add these features!
Developer Response ,
We've received your feedback regarding check deposit and our team of engineers are aggressively pushing to implement this feature. Currently, ApplePay is available and also our Cogni Pay which allows you to send money securely, instantly, and for free to your fellow Cogni friend’s account.
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!
With Family Sharing set up, up to six family members can use this app.