Cogni is a tap-to-pay Visa card and also an app, which, according to iMore, is supposed to offer no-fee digital banking accounts with no account minimums, free cash withdrawal at approximately 55.000 ATMs, free P2P transactions, virtual and physical debit cards, the ability to create single-use debit cards to protect from fraud and hidden recurring fees. Additionally, it provides multiple funding options, such as cash deposits through Visa Redylink, in-app check deposits, direct deposits, and ACH Transfers.
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