Free checking account + no credit check + built-in lifestyle features like our new crypto wallet, credit monitoring, instant payments, and more.
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.
Learn about our $100 After First Deposit Giveaway, terms.
Use your Cogni debit card to make purchases anywhere Visa® debit cards are accepted.
The Cogni Visa Debit Card is issued by Community Federal Savings Bank, member FDIC, pursuant to a license from Visa U.S.A. Inc.
55,000 No-fee ATMs
Withdraw money day or night at over 55,000 fee-free in-network Allpoint ATMs in the United States.
60K+ Locations
Deposit cash while you shop at thousands of retail locations including Walmart, 7-11, Walgreens, Safeway, etc.
$250K Protection
The funds in your Cogni Visa checking account is FDIC insured up to $250,000 through Community Federal Savings Bank, member FDIC.
Be one of the first people to spend, hold, and manage both cash + digital assets (like cryptocurrencies and NFTs) all in one place. Best of all, our wallet is non-custodial meaning you always have full control over your digital assets and private keys.
Crypto wallet funds and digital tokens are not held at any bank and like all cryptocurrencies are not FDIC insured.
Cogni single-use electronic cards were created to make your online shopping safer and private.
See your categorized spending summaries from groceries and bills to transportation, etc.
Instantly set up automated payroll deposits right inside of the Cogni app.
Easily estimate the environmental impact of your everyday purchases so you can spend more sustainably.
Cogni Pay makes sending money easy. Send funds securely, instantly, and for free between all Cogni members.
Member exclusive discounts on digital cards at over 1,500 brands like Uber, Airbnb, Adidas, H&M, ebay and more.
Set custom account alert thresholds and monitor your spending activity for potential fraud.
Misplaced your card? No problem. Pause anytime to prevent unauthorized usage. Found your card? Resume use any time.
We support secure and private biometric two-factor authentication ensuring you’re the only one who can access your account.
256-bit bank level encryption security + the EMV chip on your card ensures that your data can’t be stolen by card skimmers.
Need help with your account? We got your back. Cogni has fully-trained professionals standing by to assist you day and night.
Rest assured knowing your checking account is protected up to $250,000 by our bank partner, Community Federal Savings Bank, member FDIC.
” 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. “
— Pedro W
Open an account in minutes – no credit check, no overdrafting, no minimums, and early access to our new super wallet.
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.
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.
