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A reimagned digital and premium banking service

Modern user-interface with frictionless money movement, up to 4 joint account holders, and 17g metal debit card with cashback5 on credit card bill payments and purchases.

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*Onyx is a financial technology company, and is not a bank. Banking services provided by i3 Bank, Member FDIC. The Onyx Visa Debit Card is issued by i3 Bank, pursuant to a license from Visa U.S.A. Inc., and may be used everywhere Visa is accepted.
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Instant transfers with high-limits

Enjoy high limits and same-day money movement, and take advantage of withdrawing your money in the U.S. and internationally without extra cost. Fund your account via external debit card, ACH or direct deposit and send money in a few clicks.

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Yield on balance 23x higher than national average*

2.01% APY checking accounts2 and 3.7% cash sweep investment accounts
1-5% cashback on debit card spend and 1% cashback on your credit card bills
*National average 0.07 based on Bankers Resource Center as of October 16, 2023.
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Ridesharing and food delivery
Credit Card Bill Payment
Everything else
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Checking Account
Cash Sweep Account
US Treasury Bills
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Debit Card

17g Metal Card and up to 5% in Cashback

Superior card design, cashback on every purchase, and accepted in millions of establishments in the US and internationally. Exclusive for Premium Plan Members.

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Multiple Virtual Cards
Get single-use cards and unlimited virtual cards for security and convenience. Plus, set limits for each card.
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International Usage6
No extra costs for international purchases and Global ATM withdrawals.
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Digital Wallet Apple Pay
Add your card to Apple Wallet and enjoy more convenience in your purchases.
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Joint Accounts

Up to 4 people

Joint Accounts make it easier for partners and family members to manage and control their expenses. Users will get independent logins and separate cards with access to the same funds and benefits at no extra cost.

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Native Bill payment

Manage and Pay your bills in just one place

Pull all your payments, mortgages, student loans, utility bills,  from within the app and pay in just one click. Choose between  one-time or recurring payments.

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Earn up to 1% cashback5 on your Credit Card Bills.

Paying your bills is much easier and more attractive with Onyx Private App. Pay your credit card bill via ACH, and get 1% back in your Onyx Account.

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Offer capped at $20/mo for Onyx Premium Plan and $10/mo for Onyx Plus Plan
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Reduced mortgage rates with OwnUp

Get $250 when making your mortgage application at OwnUp

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Own Up is a technology company that exists to make sure you get the best deal on your mortgage. Click to learn more.
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Frequent questions

Need more details?

How can I add funds to my account?
You have many ways to add funds to your account. Go to the main Accounts tab and click “Add Funds.” From there, you will see a list of different options: Via External Debit Card, Via Wire Transfer (1-2 days to clear, no limit), Connecting your bank account (2-3 days to clear, $60,000 limit), and Direct Deposit (connect payroll provider or set up deposit through your employer). Choose which option you would like to use.
How can I request a card?
After your 1st deposit you can request your card. Go to the main Accounts tab and click on the button that says: “Request Your Physical Card” and fill out the address information. It will take up to 3 business days to arrive.You can also create virtual cards and start using them right the way.
How can I pay a bill and earn 1% cashback?
Go to the main Accounts tab and click “Pay Bill.” You may copy and paste the Routing and ACH Account information and pay your bill, or you can click on “New Payment Using Concierge” and take a picture of your bill using the phone camera, upload a picture of your bill from your phone’s camera roll, or upload a file/document. 1% cashback is valid for all credit card bill payments when paid through ACH (limited to $20/mo).
How does the joint account work?
The money in joint accounts belongs to both owners. Either person can withdraw or spend the money at will — even if they weren’t the ones to deposit the funds. The bank makes no distinction between money deposited by one person or the other, making a joint account useful for handling shared expenses. But a joint bank account should only be opened with someone whom you trust since that person has equal control over the account’s funds.
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