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Cogent Bank

ACH Origination

Automated Clearinghouse (ACH) Services

Save time and cut costs by giving your business the ability to initiate and accept electronic payments. At Cogent Bank we give you everything you need to make it happen. With Automated Clearing House (ACH) origination, you can offer direct deposit to employees, draft payments from customers, or pay vendors electronically. This affordable service is easy to use and can save your business both time and money.


  • Initiate and receive electronic payments
  • More convenient than traditional checks
  • Save on check processing costs
  • Funds credited faster
  • Simplifies collections
  • Receive fewer return items
  • Reduced chance of fraud
  • Save time and expense
  • Make state and federal tax payments online