Cogni is

a checking account for makers & doers.

America's #1 CashBack Checking Account

5-12% cashback

Offered in over

Open a bank account in as little as three minutes

No minimum balance, no hidden fees, no problem.

  1. Request early access to Cogni
  2. Fill out application in up to 3 minutes
  3. Receive Cogni Elite adopter status and your Cogni debit card in July
Categorization of Expenses and Income

We’re breaking down your expenses for you to see what you’re spending daily, and monthly. Let’s get you organized and make financial planning a breeze.

Personalized Savings Buckets

We help you save money for what you need most; taxes, travel or for a rainy day. Cogni lets you organize your savings into categories that match individual lifestyle.

Multiple Currency Wallet and Sending Funds

Send money for free across borders, Cogni to Cogni. Transfer your fiat into multiple currencies before you send, or when you travel abroad.

Invoice Generator and Payment Reminders

Send your invoice with Cogni, and click a button and let Cogni remind clients when they are late on payments.

Freeze or Replace Card.
24/7 Customer Service

Freeze your card as needed, replace if lost, and chat with the Cogni team if any other issues arise.

We've got your back

Cogni securely holds your deposits with a fully licensed FDIC insured banking partner. We have a zero liability policy to protect you in case your card is ever lost, stolen, or fraudulently used.


  • Outdated retail experience
  • Hidden reoccuring fees
  • No multi-currency accounts
  • Generic offerings
  • No cash rewards

Cogni Checking

  • Purely mobile interactive experience
  • No account, overdraft, or ATM fees
  • Hold, transfer, exchange multiple currencies
  • Personalized functionalities and offerings
  • Instant, high CashBack program

Cogni Revolutionaries:
Is this you?

Early Access Program

Join the digital checking revolution. We are offering Cogni Elite status to our first group of early adopters. Sign up today for first round access to rewards and perks for life.