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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.. <link rel="stylesheet" href="styles.44cd0ff8f743413d.css">. Cogni is a financial technology company, not a bank. the cogni visa debit card is issued by community federal savings bank, member fdic, pursuant to a license from visa u.s.a. inc. wallet funds & digital tokens are not held at any bank and like all crypto currencies are not fdic insured..

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