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.