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The Future Of Banking

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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.

Free Visa® debit card checking account 💳

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.

Meet your new Super Wallet 🚀

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.

Built like a bank but better 🙌

Stay safe online with single use cards

Cogni single-use electronic cards were created to make your online shopping safer and private.

Automatically Categorize your spending

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

Fast direct deposit & ACH transfers¹

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

Track the carbon footprint of your purchases

Easily estimate the environmental impact of your everyday purchases so you can spend more sustainably.

Send money instantly ⚡

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

Get up to 20% 🤑 off digital cards

Member exclusive discounts on digital cards at over 1,500 brands like Uber, Airbnb, Adidas, H&M, ebay and more.

Secure your bag 💰​

Customizable account monitoring & alerts

Set custom account alert thresholds and monitor your spending activity for potential fraud.

Pause & resume card transactions

Misplaced your card? No problem. Pause anytime to prevent unauthorized usage. Found your card? Resume use any time.

Multi-factor Touch/Face ID authentication

We support secure and private biometric two-factor authentication ensuring you’re the only one who can access your account.

Secure EMV chip transactions & encryption

256-bit bank level encryption security + the EMV chip on your card ensures that your data can’t be stolen by card skimmers.

Real human support standing by to help

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.

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.