Digital banking designed for your lifestyle

The only banking app you need. Credit monitoring, carbon footprint tracking, spending alerts, exclusive discounts on virtual gift cards, crypto, and 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.

Send money instantly ⚡

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

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Stay safe with single use cards 🔒

Single-use electronic cards help protect you from fraud when buying from new or unsecured sites.

Easily create single-use electronic use cards with alias numbers to shop online so your main card number is never revealed.

Cogni single-use electronic cards were created to make your online shopping experience safer and more private.

Save up to 20% with virtual gift cards 🤑

As a member, you’ll receive exclusive discounts on digital gift cards to more than 1,500 brands including Adidas, Sephora, Carnival Cruises,, AirBnB, Hulu, Spotify and more.

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Features my other bank accounts don’t offer. 👏🏻

” Pleasantly Surprised. Heard about this no fee banking app from a friend. I even submitted feedback on the app, and someone actually acknowledged it. “

— Adam P.

Magically 🪄🍃 categorize your spending & track your CO2 footprint

Keep an eye on your spending in different categories so you always keep track of your budget throughout the month.

See your categorized spending summaries from groceries, to transportation, and more.

Cogni calculates your carbon footprint along side your purchases to provide actionable insights like how your spending compares to the U.S average.

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Coming soon: Credit score monitoring 📈

Cogni makes it easy to know where your credit score stands by tracking your score changes in real time so you can stay on top of your financial goals.

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Switching my direct deposit over to Cogni along with a few co-workers.

” I love the customer service you get when signing up with this company. They always have an answer to my questions. Cool App & great cards! “

— Mika D.

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