The future of banking, simplified

The future of banking, simplified

Free checking account, crypto wallet, and more in just a few minutes

Free checking account, crypto wallet, and more in just a few minutes

The Cogni Visa Debit Card is issued by Community Federal Savings Bank, member FDIC, pursuant to a license from Visa U.S.A. Inc.​ Crypto wallet funds and digital tokens are not held at any bank and like all cryptocurrencies are not FDIC insured.

Free Visa® Debit Card
& Checking Account

Free Visa® Debit Card
& Checking Account

Use a Cogni debit card to make purchases where Visa® debit cards are accepted.
FDIC Insured up to $250k through Community Federal Savings Bank

Use a Cogni debit card to make purchases where Visa® debit cards are accepted

Physical Card

Make purchases wherever Visa Cards are accepted

Make purchases wherever Visa Cards are accepted

Virtual Card

Store your debit card in your phone so you always have access

Store your debit card in your phone so you always have access

Single Use Card

Created to make your online shopping safer and private

Created to make your online shopping safer and private

Send Money Instantly with CogniPay

Send Money Instantly via CogniPay

Send Money Instantly via CogniPay

Cogni Pay makes sending money easy. Send funds securely, instantly, and for free between all Cogni members

Cogni Pay makes sending money easy. Send funds securely, instantly, and for free between all Cogni members

Cogni Pay makes sending money easy. Send funds securely, instantly, and for free between all Cogni members

55k Locations

Withdraw or Deposit cash with fee-free in-network Allpoint ATMs in the US

Withdraw or Deposit cash with fee-free in-network Allpoint ATMs in the US

FDIC Insured

Up to $250k Protection through Community Federal Savings Bank

Up to $250k Protection through Community Federal Savings Bank

3 Cards

Primary, Single Use, Digital Cards for improved purchasing experiences

Primary, Single Use, Digital Cards for improved purchasing experiences

Crypto Wallet

Multi-chain

The future is chain agnostic, and so are we. Explore all chains

The future is chain agnostic, so are we. Explore all the chains

NFT Support

Collect and transfer Non Fungible Tokens across all chains

Collect and transfer Non Fungible Tokens across all chains

L2 Support

Continued support for budding Layer 2 networks on Ethereum

Continued support for budding Layer 2 networks on Ethereum

Wallet Connect

Connect and sign in to dApps using your Cogni Wallet across all chains

Connect and sign in to dApps using your Cogni Wallet across all chains

Easy Back up

Use iCloud seed phrase back up to keep your assets secure

Use iCloud seed phrase back up to keep your assets secure

Coming Soon

dApp Browser support, exchange, & more cool things coming soon…

dApp Browser support, exchange, & more cool things coming soon…

Don't take our word for it

Hear from our users

  • “Applied for a checking account at Capital One - took me over an hour at the branch. Applied for a Cogni account on my phone, took me 3 minutes…"

    Sean

    @Stayreal315

  • Quick and easy application process. I was approved in less than 5 minutes. The app is easy to use and has a clean interface.

    Matt

    @MattY30284

  • "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."

    Cho

    @ChoBro_VT

  • “In addition to how user friendly this application is- the sleek and modern design is quite the twist on the common banking app.“

    Brosen

    @Mmmbrosen

  • “A couple of neat features other bank accounts don’t offer, like single use cards & my friend can send me money which instantly reflects on my balance so I don’t have to use a second app”

    Remmy

    @Remmy1738

FAQ

What is Cogni?

Redefining digital banking, Cogni offers effortless, transparent, and inclusive financial and lifestyle solutions, supported by its Web3 suite featuring a multi-chain self-custody wallet.

What is a neobank?

A neobank refers to a modern, tech-savvy financial institution that delivers digital banking services through digital platforms, employing cutting-edge technology to streamline operations, and provide customers with personalized financial solutions tailored to their needs, often with a focus on user-friendly interfaces and mobile accessibility.

What is a wallet?

A self custody wallet in cryptocurrency refers to a digital wallet where users have full control and responsibility over their private keys, allowing them to securely store, manage, and access their crypto assets, while also mitigating the risks associated with relying on centralized exchanges or third-party custodians.

What is Cogni?

Redefining digital banking, Cogni offers effortless, transparent, and inclusive financial and lifestyle solutions, supported by its Web3 suite featuring a multi-chain self-custody wallet.

What is a neobank?

A neobank refers to a modern, tech-savvy financial institution that delivers digital banking services through digital platforms, employing cutting-edge technology to streamline operations, and provide customers with personalized financial solutions tailored to their needs, often with a focus on user-friendly interfaces and mobile accessibility.

What is a wallet?

A self custody wallet in cryptocurrency refers to a digital wallet where users have full control and responsibility over their private keys, allowing them to securely store, manage, and access their crypto assets, while also mitigating the risks associated with relying on centralized exchanges or third-party custodians.

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Cogni is a financial technology company, not a bank. The Cogni Visa Debit Card is issued by Community Federal Savings Bank, member FDIC, pursuant to a license from Visa U.S.A. Inc. WALLET FUNDS & DIGITAL TOKENS ARE NOT HELD AT ANY BANK AND LIKE ALL CRYPTO CURRENCIES ARE NOT FDIC INSURED. By clicking “Sign Up” or “Get Started” I agree to receive Cogni messages to my mobile number and to the terms and privacy policy. Message & data rates may apply. Reply STOP to cancel. ¹Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to payer’s support of the feature and timing of payer’s funding. 2 Day Early pay requires at-least 2 direct deposits of $300 or more over a rolling 30 day period to be eligible and remain eligible. ²Out-of-network and International cash withdrawal fees apply. Third-party and adding cash fees may apply.

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