Banking 3.0​

Get a free Cogni checking account with no monthly fees², no credit check, and next-gen features like our new crypto wallet, instant payments, and much more. 

Sign up in less than 3 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.

Cogni • Banking 3.0
get Cogni

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 Cogni Visa Debit Card is FDIC insured up to $250,000 through Community Federal Savings Bank, member FDIC.

Our Super Wallet is dropping soon 🚀

Want to be one of the first people to spend, hold, and manage both cash + crypto all in one place?!! 🤯 Of course you do (or at least your future self-will).

Crypto wallet funds and digital tokens are not held at any bank and like all cryptocurrencies are not FDIC insured.

Learn more

Built like a bank but better 🙌

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.

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 💰​

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.

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​

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