Cogni - Mobile Banking

Name: Cogni - Mobile Banking
Rating: 4.73495 (1030 reviews)

Finance

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Cogni - Mobile Banking

Finance

4.7

1K ratings

Age Rating

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COGNI, INCORPORATED

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User Reviews for Cogni - Mobile Banking

Best online banking app out there!

I have used a local credit union as my main bank for 8 years and I have made the switch to Cogni. I love the in app money sharing it's like venmo on steroids. I also love the customer service you get when signing up with this company. They always have an answer to my questions. It took Just about 5 days for my funds to transfer the first time, but customer service answered every call. Was nervous at first but all is well and I love it. Switching my direct deposit over to Cogni along with a few co-workers. Cool App and great cards!

ChoBro_VT, May 20, 2020

I’m trapped and it’s Cognis fault

Wow where can I begin. I opened an account and transferred all my money (which was over $2000) into this account. Come to find out, they locked my account for up to 7 business days due to “unusual activity” when the only activity on the account has been the initial transfer to find the account. So I call, and they tell me I’m screwed and I don’t have access to any money for a week - oh, and they have no idea what will happen to the direct deposit from work that is supposed to hit the account in two days. So thanks for making me default on some bills and conning me into this while y’all are unwilling to help. As soon as this *hit show is done, I’ll take all the money and transfer it back into Chase and close this account because this is A JOKE

disneyboii, Mar 16, 2020

Half and half

Transactions are smooth and no problems. The money deposit however takes weeks for it to go through. This issue needs to be corrected. I really don’t put any money in anymore because it takes a long time to see the deposit and to be able to use. Thanks.

hnseats, Jul 05, 2021

Customer Service Phenomenal/ Functionality Trash

Can’t do squat with the card but when one calls to ask why that’s the case, one’s met with professional, empathetic customer support specialists ready to hear you complain about the card and offer limited to no answers because there aren’t any and there’s no actual features to the card or account at all. If doesn’t work with Plaid, doesn’t work with cash app, no go on Apple Pay, Google pay, Samsung pay. I can’t find an app it fully works with at all, has direct deposit problems, the app itself is garbage, it’s worse than a prepaid card though the card itself is nice looking. Cool. If excellent CSR support is what you’re craving for an account that’s essentially worthless aside from the cash you put in, then this is the account for you.

iHATEHRB, Jul 07, 2022

My first digital bank!

Quick and easy application process. I was approved in less than 5 minutes. The app is easy to use and has a clean interface. The ability to freeze card and generate single use cards, within the app, are great features for online shopping and subscriptions.I can easily load and transfer money to and from the account. Cogni Pay to my friends is also fast and easy. Free ATM withdrawals from Allpoint locations is an added bonus!

MattY30284, May 20, 2020

Banking app

In addition to how user friendly this application is- the sleek and modern design is quite the twist on the common banking app. It’s apparent that Cogni is focused on maintaining an up to date application by implementing features as developments are constantly being made in the space. With the shift in our world that is e-commerce there is a focus on technical competencies that are both easy to use and easily accessible, while staying current. Cogni nailed it.

mmmbrosen, Jun 24, 2020

Pleasantly Surprised

Heard about this no fee banking app from a friend. So far, so good. A couple of neat features that my other bank accounts don’t offer, like digital cards that expire after you use them for a piece of mind and my friend can send me money which instantly reflects on my balance so I don’t have to go through the hassle of venmo. I even submitted feedback on the app, and someone actually acknowledged it. I could consider this as a primary account once some additional features get added.

RemmyBoy1738, Jun 30, 2020

not impressed

its really hard to give this "bank" serious attention because for the life of me i cant understand why its so hard for me to make a simple transfer of $25 into this account from my other online acct because im trying to gauge ease of use and accessibility..... and once again failing miserably because though funds left my other acct days ago this acct is still sitting on "pending"..... as it has the last few times i simply tried to transfer $25. the transfer feature should be removed because ive yet in several tries to see it actually work.... if i cant count on a simple transfer like that the last thing im gonna do is gamble on my paycheck sitting there in "pending" for an eternity like $25 does..... and i work for a credit union so im not completely clueless on these things..... this whole experiment makes me appreciate chime more than i already do..... not one problem in 2 years....

sherrieh1, Oct 21, 2021

My first mobile bank!

Applied for a checking account at Capital One - took me over an hour at the branch. Applied for a Cogni account on my phone, took me 3 minutes while still in my PJ 😍 Cogni doesn’t offer as many features as the other big banks yet, but I can see that they’re updating the app frequently BASED ON USER FEEDBACK!! 👏👏👏 it’s super easy to use and it doesn’t use complicated language to confuse you .... Also, I just ❤️ the Single Use card feature. Looking forward to more awesome features!

stayreal315, May 18, 2020

Not helpful at all

I’d previously had account with them for a short time and actually closed the account on the same day in which I didn’t know what’s my purpose of opening the account for. My attention was that I was gonna use it for a backup account in case something happens to my primary bank. What really not helpful is on the same day when I closed my account, the customer service representative didn’t inform me that whenever you closed the account with them, you wouldn’t be able to open another account with them. What they could have least told me was if I didn’t want to use the account, just simply logged off your account and come back anytime to logged back on your instead of them closing it and didn’t inform their former customers. I don’t really know why they design it like that but it needs to be fixed immediately! You never know that they have former customers that wanted to come back. If I could give them zero stars, I would give them zero stars to this app and the customer service representatives and their other team that flat out lie to me about they didn’t see my email. I’d mostly definitely will not recommend them to nobody until they get this fixed!

Twixxhorton, Apr 08, 2021

Description

Welcome to the Future of Banking. Cogni the people-driven digital banking app designed with YOU in mind. We have created a secure digital banking platform that provides easy access without charging any unnecessary or hidden fees.

Deposit your money, spend and track your money and make payments all within the comfort of the easy-to-use mobile app. Open a Cogni Account and Join the Banking Revolution. • No account maintenance fees. • No minimum balance requirement fees. • No overdrafts. • Cogni Pay allows you to transfer money free and instantly. • Freeze your card and report fraudulent or unauthorized transactions in the app. Free ATMs*: • No fees at over 55,000 Allpoint ATM locations worldwide. • Find the nearest location using the Allpoint ATM locator in the mobile app. • Traveling abroad, we have you covered! Access to over 15,000 international Allpoint ATMs. Quick and Easy Access to Your Account with No Hassle: • Make Instant and Free money transfers with Cogni Pay. • Your Digital and Single-Use Cards are found within the app and offer separate card numbers and security details, allowing you easy access to your money even when your Primary Card is not present. • Easy to read transaction history and statements viewable within the app. • Lost your Primary Card? No worries. Freeze the card and report fraud right in the app. • Was your Primary Card stolen? Conveniently report this in the app and we will send you a new card. Your Banking Solutions Found in One Place: • Freeze a card and Report a card lost or stolen. • Dispute transactions. • Track spending. • Generate single-use cards. • Set account activity notifications. More Ways to Deposit Funds into Cogni: • Set up direct deposit. • Make Instant and Free money transfers with Cogni Pay. • Visit participating Visa ReadyLink locations to deposit cash. Your Money Is Always Safe and Secure with Cogni: • Your Account is FDIC insured up to $250,000.00. • Your data is protected with advanced 256-bit AES level encryption, multi-factor authentication, Touch ID and Face ID, and employ strong internal access controls and audited processes. • Generate Unlimited Single-Use Cards to safeguard your account when making online or in-app purchases. Make Payments and Transfers: • No checkbook but we offer the option to generate and send checks for free. • Cogni Pay allows you to transfer money fast and free to your Cogni friends. * Digital Gift Cards and Pay Early features displayed in the tiles are coming soon. Privacy Policy: • Learn how we collect and use your information by visiting our Privacy Policy at https://getcogni.com/terms-and-privacy/mobile.html Terms and Conditions: • Learn more about our account terms by visiting our Terms and Conditions Policy at https://getcogni.com/terms-and-privacy/mobile.html • Terms and Conditions contain Cogni’s fee schedule. *The Cogni Debit Card is issued by Community Federal Savings Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. *Allpoint Network – over 55,000 fee-free ATM locations worldwide *Visa ReadyLink: When reloading your card at Visa ReadyLink Cash Deposit locations, funds will be available in 30 minutes or less. Fees vary by participating retailers but are typically $4.95 or less. Visa ReadyLink Cash Deposit locations may be found using the locator in the app.