diff --git a/src/docs/asciidoc/settlement.adoc b/src/docs/asciidoc/settlement.adoc
index 88e7983..58cfd1c 100644
--- a/src/docs/asciidoc/settlement.adoc
+++ b/src/docs/asciidoc/settlement.adoc
@@ -6,7 +6,7 @@
 
 모임을 생성할 수 있습니다.
 
-- 모임을 생성하는 사용자의 `accessToken`이 필요합니다.
+- 모임을 생성하는 사용자의 인증 쿠키(`accessToken`)가 필요합니다.
 - 생성할 모임의 이름을 요청 본문에 포함합니다.
 - 생성된 모임의 ID, 생성자(정산 담당자) ID, 생성 시간, 만료 시간, 계좌 정보를 확인할 수 있습니다.
 - 비회원이 생성한 모임은 1개월 후 자동 삭제됩니다.
diff --git a/src/main/java/com/dnd/moddo/auth/infrastructure/security/JwtProperties.java b/src/main/java/com/dnd/moddo/auth/infrastructure/security/JwtProperties.java
index 934c958..aafa317 100644
--- a/src/main/java/com/dnd/moddo/auth/infrastructure/security/JwtProperties.java
+++ b/src/main/java/com/dnd/moddo/auth/infrastructure/security/JwtProperties.java
@@ -13,17 +13,18 @@
 public class JwtProperties {
 	private final String header;
 	private final String prefix;
+	private final String accessCookieName;
 	private final SecretKey secretKey;
 	private final Long accessExpiration;
 	private final Long refreshExpiration;
 
-	public JwtProperties(String header, String prefix, String secretKey, Long accessExpiration,
-		Long refreshExpiration) {
+	public JwtProperties(String header, String prefix, String accessCookieName, String secretKey,
+		Long accessExpiration, Long refreshExpiration) {
 		this.header = header;
 		this.prefix = prefix;
+		this.accessCookieName = accessCookieName;
 		this.secretKey = Keys.hmacShaKeyFor(Decoders.BASE64.decode(secretKey));
 		this.accessExpiration = accessExpiration;
 		this.refreshExpiration = refreshExpiration;
 	}
 }
-
diff --git a/src/main/java/com/dnd/moddo/auth/infrastructure/security/JwtUtil.java b/src/main/java/com/dnd/moddo/auth/infrastructure/security/JwtUtil.java
index d0d56c7..dfed8f0 100644
--- a/src/main/java/com/dnd/moddo/auth/infrastructure/security/JwtUtil.java
+++ b/src/main/java/com/dnd/moddo/auth/infrastructure/security/JwtUtil.java
@@ -8,6 +8,7 @@
 import io.jsonwebtoken.Claims;
 import io.jsonwebtoken.Jws;
 import io.jsonwebtoken.Jwts;
+import jakarta.servlet.http.Cookie;
 import jakarta.servlet.http.HttpServletRequest;
 
 @Component
@@ -19,10 +20,34 @@ public JwtUtil(JwtProperties jwtProperties) {
 	}
 
 	public String resolveToken(HttpServletRequest request) {
+		String cookieToken = resolveTokenFromCookie(request);
+		if (cookieToken != null) {
+			return cookieToken;
+		}
+
 		String bearer = request.getHeader(jwtProperties.getHeader());
 		return parseToken(bearer);
 	}
 
+	private String resolveTokenFromCookie(HttpServletRequest request) {
+		Cookie[] cookies = request.getCookies();
+		if (cookies == null) {
+			return null;
+		}
+
+		for (Cookie cookie : cookies) {
+			if (jwtProperties.getAccessCookieName().equals(cookie.getName())) {
+				String value = cookie.getValue();
+				if (value == null || value.isBlank()) {
+					return null;
+				}
+				return value;
+			}
+		}
+
+		return null;
+	}
+
 	public String parseToken(String bearer) {
 		if (bearer != null && bearer.startsWith(jwtProperties.getPrefix())) {
 			return bearer.replace(jwtProperties.getPrefix(), "").trim();
@@ -45,4 +70,4 @@ public Long getIdFromToken(String token, String key) {
 		Claims claims = getJwt(token).getBody();
 		return claims.get(key, Long.class);
 	}
-}
\ No newline at end of file
+}
diff --git a/src/main/resources/config b/src/main/resources/config
index d25ada6..3d98bab 160000
--- a/src/main/resources/config
+++ b/src/main/resources/config
@@ -1 +1 @@
-Subproject commit d25ada6852687393698080ae28655aa91c6acbe7
+Subproject commit 3d98bab8fe3c64bb6a96fd1755d247cf7d19586d
diff --git a/src/test/java/com/dnd/moddo/domain/auth/service/JwtUtilTest.java b/src/test/java/com/dnd/moddo/domain/auth/service/JwtUtilTest.java
new file mode 100644
index 0000000..45eb966
--- /dev/null
+++ b/src/test/java/com/dnd/moddo/domain/auth/service/JwtUtilTest.java
@@ -0,0 +1,66 @@
+package com.dnd.moddo.domain.auth.service;
+
+import static org.assertj.core.api.Assertions.*;
+
+import org.junit.jupiter.api.Test;
+import org.springframework.mock.web.MockHttpServletRequest;
+
+import com.dnd.moddo.auth.infrastructure.security.JwtProperties;
+import com.dnd.moddo.auth.infrastructure.security.JwtUtil;
+
+import jakarta.servlet.http.Cookie;
+
+class JwtUtilTest {
+
+	private final JwtUtil jwtUtil = new JwtUtil(
+		new JwtProperties(
+			"Authorization",
+			"Bearer",
+			"accessToken",
+			"c2VjcmV0S2V5c2VjcmV0S2V5c2VjcmV0S2V5c2VjcmV0S2V5c2VjcmV0S2V5",
+			1L,
+			1L
+		)
+	);
+
+	@Test
+	void givenAccessTokenCookie_thenResolveTokenFromCookie() {
+		// given
+		MockHttpServletRequest request = new MockHttpServletRequest();
+		request.setCookies(new Cookie("accessToken", "cookie-token"));
+		request.addHeader("Authorization", "Bearer header-token");
+
+		// when
+		String token = jwtUtil.resolveToken(request);
+
+		// then
+		assertThat(token).isEqualTo("cookie-token");
+	}
+
+	@Test
+	void givenAuthorizationHeaderWithoutCookie_thenResolveTokenFromHeader() {
+		// given
+		MockHttpServletRequest request = new MockHttpServletRequest();
+		request.addHeader("Authorization", "Bearer header-token");
+
+		// when
+		String token = jwtUtil.resolveToken(request);
+
+		// then
+		assertThat(token).isEqualTo("header-token");
+	}
+
+	@Test
+	void givenBlankAccessTokenCookie_thenResolveTokenFromHeader() {
+		// given
+		MockHttpServletRequest request = new MockHttpServletRequest();
+		request.setCookies(new Cookie("accessToken", " "));
+		request.addHeader("Authorization", "Bearer header-token");
+
+		// when
+		String token = jwtUtil.resolveToken(request);
+
+		// then
+		assertThat(token).isEqualTo("header-token");
+	}
+}
diff --git a/src/test/resources/application.yml b/src/test/resources/application.yml
index 0064479..5f56ee7 100644
--- a/src/test/resources/application.yml
+++ b/src/test/resources/application.yml
@@ -27,6 +27,7 @@ spring:
 jwt:
   header: Authorization
   prefix: prefix
+  access-cookie-name: accessToken
   secret-key: secretKeysecretKeysecretKeysecretKeysecretKeysecretKey
   access-expiration: 1
   refresh-expiration: 1