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Cogent Bank

Personal Checking

Flexible and secure checking accounts are the cornerstone of banking philosophy. With numerous account options and plenty of local banking experts, you can be sure to find the perfect solution for your banking needs.


Personal Free Checking Personal Interest Checking Prestige Interest Checking (50+)
Minimum Opening Balance $0 $0 $0
Monthly Service Charge $0.00 $10.00   $0.00 
Waived if:
N/A $1,000 Average Daily Balance is maintained N/A
Interest Rate No Yes - Tiered Rates Applicable Yes
Features No minimum balance requirement
No minimum balance requirement

No transaction fees No transaction fees No transaction fees

Free Online Banking and Bill Pay Free Online Banking and Bill Pay Free Online Banking and Bill Pay

Free first order of 50 standard checks Free first order of 50 standard checks Free checks (select style)

Free 24 hour Bank by Phone Free 24 hour Bank by Phone Free 24 hour Bank by Phone

Free e-statement Free e-statement Free e-statement



50% discount safe deposit box 1st year

Free VISA® Debit Card Free VISA® Debit Card Free VISA® Debit Card

Free mobile banking & mobile deposit capture Free mobile banking & mobile deposit capture Free mobile banking & mobile deposit capture
Other Charges Check and deposit orders Check and deposit orders Check and deposit orders