The Cogni account is a personal digital banking account. You are given a Cogni Visa debit card, and your funds are FDIC-insured through our partner bank (Community Federal Savings Bank).
Cogni accounts support interbank transfers through the Automated Clearing House (ACH) network, including direct deposit, and many other ways of getting money in and out of your account.
We currently do not offer joint accounts nor business accounts. However, both are being considered for our future roadmap, so stay tuned!