All Things

cogni features images
The Basics
Apply in Minutes
Say farewell to waiting in line at a bank, open an account directly from your phone. It’s quick and free — all you need to get started is your contact info, date of birth, and SSN.
Instant Access
Once you’re approved, your account will be good to go. We’ll mail out a physical card — in the meantime, use the Digital card online and IRL by adding it to your preferred digital wallet.
Simple Tracking
View your balance (or hide it from peering eyes with a simple swipe), recent account activity, monthly statements, and card spending trend all inside the app.
No-Fee Cash Withdrawal
Cash-only? We’ve got you covered. Withdraw cash at over 55,000 Allpoint ATMs worldwide, free of charge. Find the nearest fee-free ATM
Multiple Ways 
to Top Up
Got Cash?
Deposit cash at convenient retail locations (such as Walgreens and 7-Eleven) with Visa ReadyLink. The funds will be available to you within 30 minutes, but usually a lot sooner. It’s free on our end, however the merchant will charge you a small fee.
Check Deposit
Never fill out another deposit slip or wait in line at the bank again — easily deposit checks by taking a photo with the app.
Direct Deposit
Let’s get you paid — set up direct deposit by sharing your account information with your employer. We're currently working on making this process even more seamless, stay tuned!
Connect Your Accounts
Move money between Cogni and your external bank accounts for free. To connect, simply login to your other online banks in the app or enter the account and routing number.
Made Easy
Instant Transfer
Send money securely, instantly, and for free to your fellow Cogni friend’s account. Learn more
Checks? Check.
For those (increasingly rare) occasions where a check is necessary, we’ll send one directly to someone on your behalf. Just think of us as your digital checkbook.
We’re Compatible
Works with third-party payment services like Apple Pay™, Google Pay™, Samsung Pay, Venmo, Paypal, and Square.
Your Money
Is Your Money
Card Control
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 app.
Single-Use Cards
Single-Use cards safeguard you from fraudulent usage due to merchant breaches and help you take control of your purchases. Learn more
Stay in the Know
Customizable push-notifications keep you informed about your account, so you can track your balance, confirm transactions were made by you, and act if they weren’t.
Safe and Secure
Your money is always protected with bank-level security — all data is encrypted in transit and at rest, and your deposits are FDIC insured.
Request a

For real. Your feedback will bring us closer to being better than ever. Plus we love hearing from you.

Home Partnerships Features About