FDIC-Insured
- Backed by the full faith and credit of the U.S. Government
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Our Bank Routing and Transit Number is: 063114661
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You are leaving Cogent Bank and going to Cogent Private Wealth, a boutique advisory firm offering comprehensive financial planning and investment management services. Some of their products are NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY; NOT GUARANTEED BY THE BANK; and MAY LOSE VALUE.
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| Business Checking | Business Edge Checking | Analysis Checking | IOLTA | |
|---|---|---|---|---|
| Minimum Balance Requirement | $0.00 | $0.00 | $0.00 | $0.00 |
| Monthly Maintenance Fee | $0.00 | $50.00 | See pricing proforma for schedule of fees | $0.00 |
| Monthly Fee Waived If | No minimum balance requirement | $50,000 Average Monthly Balance is maintained | Deposit balances receive an earnings credit to offset monthly maintenance & other service fees | Deposit balances receive an earnings credit to offset monthly maintenance & other service fees |
| Earns Interest | No | No | Earnings Credit | Interest paid to Florida Bar Association |
| Features | Includes 200 transactions per month (Checks, deposits, deposited items, ACH) | Includes 500 transactions per month (Checks, deposits, deposited items, ACH) | ||
| ACH Origination Not Available | ACH Origination available (up to 3 accounts). No charge for first 75 originated items. $0.50 for each item after. | Treasury Services available – See pricing proforma for schedule of fees | Treasury Services available – See pricing proforma for schedule of fees | |
| Fraud Control Services available-Reverse Check Positive Pay and ACH Positive Pay (Fraud Control Package) $15 monthly fee per account | Fraud Control Services available-Check Positive Pay and ACH Positive Pay $15 a month per account (up to 3 accounts). | |||
| Remote Deposit Capture not available | Includes Remote Deposit Capture & Single Feed Scanner (for clients depositing more than 25 checks a month) | Treasury Services available | Treasury Services available | |
| Cogent Connection Express Business eBanking & Bill Pay | Cogent Connection Lite Business eBanking & Bill Pay | Cogent Connection Business eBanking & Bill Pay | Cogent Connection Business eBanking & Bill Pay | |
| Free 24-hour Bank by Phone | 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 | Free e-statement | |
| Free mobile banking & mobile deposit capture | Free mobile banking & mobile deposit capture | Free mobile banking & mobile deposit capture | Free mobile banking & mobile deposit capture | |
| Free Online Stop Payments and Bank Cashier’s checks | Free Online Stop Payments and Bank Cashier’s checks | |||
| Other Charges | $.50 per transaction if 200 transaction limit is exceeded | $.50 per transaction if 500 transaction limit is exceeded | Check and deposit ticket orders | Check and deposit ticket orders |
| Additional Fees may apply | Additional Fees may apply | Cogent Connection Business eBanking & Bill Pay Service. Fees apply | Cogent Connection Business eBanking & Bill Pay Service. Fees apply | |
| Check and deposit ticket orders | Check and deposit ticket orders | Check and deposit ticket orders | Check and deposit ticket orders |