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Cogent Bank

Frequently Asked Questions

How do I report a lost/stolen debit/ATM card?
Please call 386-774-0977 or 407-276-4768 during normal operating hours. 
After hours, please call 1-800-500-1044 immediate or access

How do I reorder checks?

Use the below websites to reorder checks from Clarke American:

How do I add a stop payment?

Please contact either of our branches during normal operating hours and we will be happy to assist you.  You can also place a stop payment through Online Banking or Cogent Connection.

How do I find a branch?

Visit any one of our branches today!
Orange City Banking Center
Phone: 386.774.0977
Address: 1113 Saxon Blvd
Orange City, FL 32763
Hours: M-Th 8:00AM - 5:00PM Drive up
Friday 8:00AM - 6:00PM Drive up
M-Th 9:00AM - 4:00PM Lobby
Friday 9:00AM - 6:00PM Lobby
Orlando Banking Center
Phone: 407.276.4768
150 S Orange Ave Suite 111
Orlando, Fl 32801
M-F 9:00AM - 5:00PM Lobby


What is my ABA routing number?
Cogent Bank’s routing number is 063114661

How do I change my password for online banking?

After logging into Online Banking, you will see an option for Password. Click on that option to change your password.

How do I transfer funds online?

After logging into the Online Banking, you will find an option to transfer funds between your accounts. It's super easy!

What account services can I access online?
  • Balance Information
  • History Information- includes images of checks front/back
  • Pay Bills
  • Transfer funds
  • Reorder Checks
  • Download activity to Quicken or QuickBooks
  • Secure Email correspondence to bank personnel
  • Change your password
  • And much more!

How can I protect myself against Identity Fraud?

Please remember to use caution when disclosing personal and financial information. There are a number of ways you can help protect yourself from identity theft:
  • Sign the back of your credit and debit cards.
  • Keep your credit card receipts.
  • Report lost or stolen credit cards immediately.
  • Cancel and destroy all unused cards.
  • Leave out personal information on your checks.
  • Promptly collect incoming mail.
  • Shred your junk mail.
  • Don't drop your outgoing mail in your mailbox.
  • Review your credit reports.
  • Don't give out your personal information to unsolicited requests.
  • Keep your personal information in a safe place.

What is phishing?

Many financial institutions and companies that conduct business on the Internet have become the target of a form of online fraud called "phishing".  Phishing usually take the form of unsolicited emails or pop-up Web pages. To make the phisher look official, scammers often include image and logos from legitimate companies.

How do I sign up for Internet Banking?

Click the Login button on the home page. This will take you to a screen that allows you to enroll. Or copy/paste the below link into the internet browser for access. It's fast and easy!