Frequently Asked Questions About Cogent Bank

Branches and Savings


Is Cogent Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34908.

Why does Cogent Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Cogent Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Cogent Bank a commercial bank?

Yes

Where are Cogent Bank locations?

Is Cogent Bank open on Saturdays?

Is Cogent Bank open on Sundays?

What time does Cogent Bank open?

What time does Cogent Bank close?

Are Cogent Bank ATMs Open 24/7?

Do Cogent Bank ATMs accept cash deposits?

Can Cogent Bank customers use other ATMs?

Do Cogent Bank branches have notaries?

Will Cogent Bank notarize my document?

What address for Cogent Bank should I put for incoming ACH transfers?

Will the Cogent Bank branch print checks?

Do Cogent Bank checks expire?

Does Cogent Bank require US citizenship to open account?

Can Cogent Bank close my account?

Does Cogent Bank Report to credit bureaus?

Does Cogent Bank Use Equifax?

What is Cogent Bank's ACH Routing Number?

What is Cogent Bank's SWIFT code?

Products


Does Cogent Bank offer deposit accounts?

Savings
0.05%
1-Year CD
0.55%
2-Year CD
0.60%
3-Year CD
0.60%
4-Year CD
0.60%
5-Year CD
0.60%

Compare more deposit accounts rates here.

Does Cogent Bank offer mortgages?

Compare mortgage rates here.

Does Cogent Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cogent Bank offer personal loans?

Compare personal loan rates here.

Does Cogent Bank offer student loans?

Will Cogent Bank cash a check?

Will Cogent Bank redeem a savings bond?

Does Cogent Bank cash savings bonds?

Will Cogent Bank cash money orders?

Can Cogent Bank issue a money order?

Does Cogent Bank do currency exchange?

Background on The Bank


Who owns Cogent Bank?

How long has Cogent Bank been around?

Can Cogent Bank transfer to other banks?

Does Cogent Bank have quick pay?

Does Cogent Bank accept rolled coins?

Will Cogent Bank accept loose change?

Where is Cogent Bank headquarters?