# How Cogent Bank uses Unit21

**$400K**: “Prevented $400K+ of customer fraud loss”

As published on [unit21.ai](https://www.unit21.ai/customers/cogent-bank). Captured by usedby on 2026-10-07.

- Company: [Cogent Bank](https://www.usedby.ai/companies/cogent-bank.md)
- Tool: [Unit21](https://www.usedby.ai/tools/unit21.md)
- Teams: Deposit Operations

## What the story says

Cogent Bank uses Unit21's Dark Web Monitoring and transaction monitoring to detect exposed customer checks before they clear, reducing check fraud from alterations, counterfeits and stolen mail. The alerts are managed in a queue and also help the bank persuade customers to enroll in Positive Pay.

Summary written by usedby from the source page, in English. The figures are those of Unit21 and Cogent Bank, not ours.

> The solution integrated seamlessly with existing systems and delivered daily alerts on exposed checks, enabling the bank to intercept fraud before checks cleared — ultimately preventing over $400,000 in losses.

- **98%**: “98% of checks found had not yet been cleared”
- **49 of 50**: “In fact, 49 of 50 checks flagged were stopped before loss, saving us over $400K in losses.”
- **12-month**: “12-month lookback to reveal historical exposure”

> With Unit21, monitoring the dark web, we’ve stopped over $400K in check fraud loss. This provides us with a whole new level of customer trust.
>
> Holly Ashford, SVP, Director of Deposit Operations

## What usedby checked

We compared the story with its live page on 2026-10-07.

- Checked: the figure $400K is printed word for word on the page, near the name of Cogent Bank.
- Checked: the passage quoted above is copied word for word from the page, near the name of Cogent Bank.
- Checked: each number in our summary is printed on the page.
- Checked: Cogent Bank uses Unit21. Confirmed line. Latest check across sources: 2026-10-07.
- Not checked: the result itself. We quote it; we did not measure it.

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Source: https://www.usedby.ai/case-studies/cogent-bank-unit21 · How we check: https://www.usedby.ai/methodology