Digital Banking

No minimum balance, No international transaction fees², & No hidden fees

No minimum balance

No hidden fees

No international transaction fees²

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.

Send money instantly ⚡

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

Withdraw & Deposit
Fee Free

Withdraw cash without fees

As a Cogni member you can withdraw money without fees at over
55,000 in-network ATMs.

How to find a fee-free ATM 🏧

1

Open your Cogni App

2

Click the move money tab

3

Find a fee-free ATM nearby

Bank while you shop

With Cogni, you can make instant cash deposits at major brick and mortar retail chains across the US.

How to
deposit cash

1

Open your Cogni app on your phone and go to the 'Move Money' tab.

2

Find a location near you by selecting 'Add Cash' and searching the map.

3

Hand your Cogni card along with the cash to your cashier.

4

That's it. Your funds should instantly be available in your account.

Magically 🪄🍃 categorize your spending & track your CO2 footprint

Stay safe online with single use cards

Keep an eye on your spending in different categories so you always keep track of your budget throughout the month.

Automatically Categorize your spending

See your categorized spending summaries from groceries, to transportation, and more.

Fast direct deposit & ACH transfers¹

Instantly set up automated payroll deposits right inside of the Cogni app.

SIGN UP
Picture of phone with the bank dashboard

Credit score monitoring 📈

Cogni makes it easy to know where your credit score stands by tracking your score changes in real time so you can stay on top of your financial goals.

SIGN UP

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. “

— Pedro W​

Sign up in less than 3 minutes

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.