Cogni is a people-driven digital banking app. Our top priority is giving you secure and easy access to your money with no hidden fees.
Cogni offers a mobile banking platform that includes a Visa prepaid debit card issued by Community Federal Savings Bank, member FDIC, pursuant to a license from Visa U.S.A. Inc.
We believe that your money should always be your money, and pride ourselves in providing an alternative to high fee accounts typically offered by traditional banks. You will find no account minimums or overdrafts and will have access to one of the largest surcharge free ATM networks (*At over 55,000 Allpoint ATMs worldwide)
Your deposited money is FDIC insured up to $250,000 per depositor and the Cogni Visa debit card can be used anywhere Visa debit cards are accepted.
Cogni can be utilized by any U.S. resident at least 18 years of age with a valid Social Security number.
The service is available through a mobile banking application found on the App Store and installed on Apple mobile phones (iPhone 7 or newer, iOS 12.0 or later).
Learn more about us on our website.