Cogent Bank

Headquarters: Orlando, Florida
Charter: Bank
Assets: $2.5B
Fed district: Atlanta

12 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 14, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Cogent Bank: $36
Cogent Bank: $36
U.S. median: no median
NSF / Returned Item
Cogent Bank: $36
Cogent Bank: $36
U.S. median: no median
Wire Transfer (Domestic Out)
Cogent Bank: $15
Cogent Bank: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Cogent Bank’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account Fee$10
per month
Extensive Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF Item Paid Fee$36
per item
NSF Item Returned Fee$36
per item

ATM & Card

Check Card Replacement$15
per item
Check Card Replacement - Expedited$75
per item

Wire Transfers

Outgoing Wire Fee: Domestic Online$15
per item
Outgoing Wire Fee: International$50
per item

Check Services

Cashier’s Check$15
per item
Stop Payment Fee$32
per item

Cash & Deposit

Chargeback Item Fee$10
per item

Account Services

Late Payment$5
Not compared: Box drilling or key fee
Lost Key$30
Not compared: Box drilling or key fee
per item
Safe Deposit Box 10 X 10$95
per year
Safe Deposit Box 10 X 10 (audience not stated, treated as personal)$95
per year
Safe Deposit Box 3 X 10$40
per year
Safe Deposit Box 3 X 10 (audience not stated, treated as personal)$40
per year
Safe Deposit Box 3 X 5$25
per year
Safe Deposit Box 3 X 5 (audience not stated, treated as personal)$25
per year
Safe Deposit Box 5 X 10$60
per year
Safe Deposit Box 5 X 10 (audience not stated, treated as personal)$60
per year
Safe Deposit Box 5 X 5$35
per year
Safe Deposit Box 5 X 5 (audience not stated, treated as personal)$35
per year
Levy$100
per item
Writ of Garnishment$100
per item
Subpoena$50
Not compared: Charged per hour; comparison unavailable
per hour

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee	$10	per month	None
Extensive Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
NSF Item Paid Fee	$36	per item	None
NSF Item Returned Fee	$36	per item	None
ATM & Card
Check Card Replacement	$15	per item	None
Check Card Replacement - Expedited	$75	per item	None
Wire Transfers
Outgoing Wire Fee: Domestic Online	$15	per item	None
Outgoing Wire Fee: International	$50	per item	None
Check Services
Cashier’s Check	$15	per item	None
Stop Payment Fee	$32	per item	None
Cash & Deposit
Chargeback Item Fee	$10	per item	None
Account Services
Late Payment	$5Not compared: Box drilling or key fee	Not stated	None
Lost Key	$30Not compared: Box drilling or key fee	per item	None
Safe Deposit Box 10 X 10	$95	per year	None
Safe Deposit Box 10 X 10 (audience not stated, treated as personal)	$95	per year	None
Safe Deposit Box 3 X 10	$40	per year	None
Safe Deposit Box 3 X 10 (audience not stated, treated as personal)	$40	per year	None
Safe Deposit Box 3 X 5	$25	per year	None
Safe Deposit Box 3 X 5 (audience not stated, treated as personal)	$25	per year	None
Safe Deposit Box 5 X 10	$60	per year	None
Safe Deposit Box 5 X 10 (audience not stated, treated as personal)	$60	per year	None
Safe Deposit Box 5 X 5	$35	per year	None
Safe Deposit Box 5 X 5 (audience not stated, treated as personal)	$35	per year	None
Levy	$100	per item	None
Writ of Garnishment	$100	per item	None
Subpoena	$50Not compared: Charged per hour; comparison unavailable	per hour	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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