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Cogent Bank


Bank Safe, Bank Smart with FDIC insurance protecting your deposits.

With the Insured Cash Sweep service and CDARS,  you can access multi-million FDIC insurance and earn interest, all through a single banking relationship. Your funds are divided into smaller amounts and placed in network member's banks so your deposit is eligible for full FDIC insurance.  You receive only one bank statement for your account making it easier to manage your information while enjoying the benefit of full FDIC coverage.


How ICS & CDARs Works