Cogni is digital banking

that fits in your pocket

Access full-service digital banking that works with your lifestyle
Download Cogni on AppStore
Elmo H.
Jun 23, 2020
$200
Elmo H.
Jun 23, 2020
-$200
Sierra L.
Jun 17, 2020
$92

Freedom

With multiple ways to move money

Security

With single-use digital cards, 256-bit encryption, and FDIC insurance up to $250,000

Savings

With 55,000+ no-fee ATMs worldwide

Single-Use Cards

Cogni Cards

Single-Use Cards

Protect yourself against shady sellers and merchant data breaches with the power to generate single-use digital cards on the spot.

1
Generate a secure single-use card
2
Shop online as you normally would
3
Card cancels itself after just one use

Cogni Pay

Elmo H.
Oct. 2, 2019
$92
Elmo H.
Oct. 2, 2019
-$200
Sierra L.
Oct. 2, 2019
$92
request money
Elizabeth L.
Oct. 2, 2019
-$200
James F.
Oct. 2, 2019
$64
Piccino D.
Oct. 2, 2019
-$26
send money
Skylar D.
Oct. 2, 2019
$26

Cogni Pay

Paying friends back shouldn’t take days.

With Cogni Pay, you and your friends can send and receive money for free in seconds. Your funds are immediately available to use.

Learn More
Cogni has  No
Maintenance Fees
ATM Fees*
Transfer Fees
Inactivity Fees
Minimum Balance
Monthly Fees
Robocalls
*At over 55,000 Allpoint ATMs worldwide

Cogni
Works With

Apple PayGoogle PaySamsung Pay

Moving Money In

1
Have friends pay you back in a snap with 
Cogni Pay
2
Make free, easy transfers from other bank accounts to your Cogni account
3
Set up direct deposit and get paid without breaking a sweat
4
Connect external bank accounts automatically with Plaid
5
Make cash deposits at thousands of your favorite stores with Visa ReadyLink

Easily spend & send

1
Reimburse friends in seconds with 
Cogni Pay
2
Make purchases with your digital card, Cogni Visa debit card, or secure single-use cards
3
Pay bills, transfer funds to other banks, and more — right from your Cogni account
4
Send funds with all your favorite third-party payment apps
5
Let Cogni send a paper check right to your recipient’s doorstep

Stay Secure

1
We keep you protected with 256-bit encryption security
2
Your Cogni digital banking account is FDIC insured up to $250,000
3
Monitor your balance, confirm transactions, and be alerted of potential fraud with customized alerts
4
Keep your account safe with single-use digital cards
5
Report your card lost or stolen, freeze or unfreeze it instantly, and dispute any charges in real time on the Cogni app

Our next feature is...
up to you!

Cogni is built with you in mind.

Let us know what features would make your digital banking experience even better.

Request a feature
Real Human Support
Real Human Support
Message us. Email us. Call us. 
We’re here for you.
Replace or Freeze Card
Replace or Freeze Card
Card lost or stolen? Freeze it instantly and get a free replacement. Found it? Simply unfreeze it.
Bank Level Security
Bank Level Security
FDIC insurance up to $250,000. 256-bit encryption. We take security seriously.
Home Features About Us