Digital Banking

No minimum balance.
No oversea txn fees².
No hidden fees.
Ever.

Checking Account

Secure Transactions

Get Paychecks Early

Budgeting Plans

Peer to Peer Pay

Gift Cards

Credit Score

55k+ ATMs

Free Visa®
Debit Card & Checking Account

Use a Cogni debit card to make purchases where Visa® debit cards are accepted

Physical Card

Make purchases wherever Visa Cards are accepted

Virtual Card

Store your debit card in your phone so you always have access

Single Use Card

Created to make your online shopping safer and private

Send Money Instantly via CogniPay

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

Up to 20% off on Gift Cards

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

Fee Free ATMs

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

55k Locations

Withdraw or Deposit cash with fee-free in-network Allpoint ATMs in the US.

FDIC Insured

Up to $250k Protection through Community Federal Savings Bank

3 Cards

Primary, Single Use, Digital Cards for improved purchasing experiences

FAQ

What is Cogni?

Redefining digital banking, Cogni offers effortless, transparent, and inclusive financial and lifestyle solutions, supported by its Web3 suite featuring a multi-chain self-custody wallet.

What is a neobank?

A neobank refers to a modern, tech-savvy financial institution that delivers digital banking services through digital platforms, employing cutting-edge technology to streamline operations, and provide customers with personalized financial solutions tailored to their needs, often with a focus on user-friendly interfaces and mobile accessibility.

What is a wallet?

A self custody wallet in cryptocurrency refers to a digital wallet where users have full control and responsibility over their private keys, allowing them to securely store, manage, and access their crypto assets, while also mitigating the risks associated with relying on centralized exchanges or third-party custodians.

Sign Up To
Our Newsletter

Crypto

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.