That's all it takes to open a Cogni checking account. No minimums. No credit checks. Can you spare 5 minutes?
Get approved. Move money into your account. Access it immediately with your digital card. It’s that fast.
ATM fees are a thing of the past. No matter where you find yourself in the world, all 55,000 Allpoint ATMs are free with Cogni.
Get a complete view of your balance, recent account activity, monthly statements, and card spending—it’s all on the Cogni app.
Covering a friend’s latte? No worries.
With Cogni Pay, they can send money right into your Cogni account. Your funds will be available immediately.
You work hard for your money. Getting paid shouldn’t be a chore.
Simply set up direct deposit by sharing your account info and routing number with your employer. It’s all there in the Cogni app.
Effortlessly transfer money from other banks into your Cogni account for free. All you need is your account info and routing number.
Headed to Walgreens? 7-Eleven? Safeway?
Deposit money while running errands at thousands of your favorite stores worldwide with Visa ReadyLink. Your funds are made available in as little as 30 minutes.
"Forgetting your wallet" is a thing of the past. So go ahead—let your friend pick up the tab. You can pay them back in seconds with Cogni Pay.
Just got approved? Start spending immediately with your digital card.
Making in-store purchases? Your Cogni Visa debit card has you covered.
Want extra security or a risk-free free trial? Generate a single-use card.
Cogni is compatible with all your favorite person-to-person payment apps, like Apple Pay, Google Pay, and Samsung Pay.
It’s still around for a reason. We support bill pay and bank-to-bank transfers, making moving money from your Cogni account a breeze.
Need to pay rent the old-fashioned way?
When checks are absolutely necessary, we’ll send one right to your recipient's doorstep.
Each single-use digital card you generate has a uniquely reconfigured card number, protecting you from shady sellers and merchant breaches.
Misplaced your card? Freeze and unfreeze it instantly.
Checked your pockets and still can’t find it? Report it lost or stolen and dispute any charges in real time using the Cogni app.
Choose your own push notifications. Stay updated on your balance, confirm transactions, and be alerted of potential fraud 24/7.
Your security is our top priority. We’ve got you covered with enterprise-level banking, 256-bit encryption protection.
That’s what it means to be FDIC-insured. Your Cogni checking account is protected up to a quarter million dollars.
Cogni is built with you in mind. Request a feature what features would make your digital banking experience even better.
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