Cogni - Mobile Banking 3.4.9

Welcome to the Future of Banking.

Cogni is a people-driven digital banking app designed with you in mind. We have developed a secure digital banking platform that offers easy access without any unnecessary or hidden fees. With our user-friendly mobile app, you can deposit, spend, track your money, and make payments effortlessly.

Open a Cogni Account and join the Banking Revolution.

• No account maintenance fees.
• No minimum balance requirement fees.
• No overdrafts.
• Transfer money instantly and free with Cogni Pay.
• Freeze your card and report any fraudulent or unauthorized transactions directly in the app.

Enjoy free ATMs*:

• No fees at over 55,000 Allpoint ATM locations worldwide.
• Use the Allpoint ATM locator in the mobile app to find the nearest location.
• Access to over 15,000 international Allpoint ATMs while traveling abroad.

Experience quick and easy access to your account with no hassle:

• Make instant and free money transfers with Cogni Pay.
• Find your digital and single-use cards in the app, offering separate card numbers and security details for easy access to your money even when your primary card is not present.
• Easily view transaction history and statements within the app.
• If you lose your primary card, simply freeze it and report fraud conveniently in the app.
• If your primary card is stolen, report it in the app, and we will send you a new card promptly.

Discover all your banking solutions in one place:

• Freeze a card and report it lost or stolen.
• Dispute transactions.
• Track your spending.
• Generate single-use cards.
• Set account activity notifications.

More ways to deposit funds into Cogni:

• Set up direct deposit.
• Make instant and free money transfers with Cogni Pay.
• Deposit cash at participating Visa ReadyLink locations.

Your money is always safe and secure with Cogni:

• Your account is FDIC insured up to $250,000.00.
• We protect your data with advanced 256-bit AES level encryption, multi-factor authentication, Touch ID and Face ID, as well as strong internal access controls and audited processes.
• Generate unlimited single-use cards to safeguard your account when making online or in-app purchases.

Make payments and transfers:

• No need for a checkbook, as we offer the option to generate and send checks for free.
• Transfer money quickly and free to your Cogni friends using Cogni Pay.

*Digital Gift Cards and Pay Early features displayed in the tiles are coming soon.

Privacy Policy:

1. Learn how we collect and use your information by visiting our Privacy Policy at https://getcogni.com/terms-and-privacy/mobile.html

Terms and Conditions:

1. Learn more about our account terms by visiting our Terms and Conditions Policy at https://getcogni.com/terms-and-privacy/mobile.html
2. Our Terms and Conditions contain Cogni's fee schedule.

*The Cogni Debit Card is issued by Community Federal Savings Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

*Allpoint Network - over 55,000 fee-free ATM locations worldwide.

*Visa ReadyLink: When reloading your card at Visa ReadyLink Cash Deposit locations, funds will be available in 30 minutes or less. Fees vary by participating retailers but are typically $4.95 or less. Visa ReadyLink Cash Deposit locations may be found using the locator in the app.