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Compare Onyx Private Membership to other competing banks.

Onyx offers a unified digital premium banking and wealth management experience with a white-glove 24/7 concierge service with two options membership plans.

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Banks Comparison

More information for you to make the right choice

Logo Onyx Black
Logo Wells Fargo
Logo Private Client
Logo Bank of america
Logo SoFi
Premium Plan
Premier Checking
Banking
Free ACHs
Annual Percentage Yield
Free Wire
Interest Compounded
100% Free ATM withdrawal
Debit Card Cash Back
17g Black Metal Card
Wire Fee
1%-10% Cashback on Debit Card
Outside network ATM Fees
Multiple Virtual Cards
Payment Concierge
1% cashback on credit card bill payment
Card Transaction Limit
Payment Concierge
Wire Limits
1.4% APY (FDIC insurance)
Full mobile banking via App
Joint Accounts- up to 4 people
Monthly Maintenance Fee / Minimum Balance Requirement
$250 and reduced rate on mortgages via Own Up
Customer Service Response Times
24/7 priority customer support
Joint Accounts
2%
Daily/Month
1%-5%
$0
$0
Check
$20,000
No limits
Check
no balance requirement $100 initial deposit
Human < 5 min via Chat
Up to 4 people
0.50%
Monthly
0%
$0
$0
No Check
$10,000
No limits
No Check
$250,000 otherwise $35/month
Regular Phone, Branch, Chat
Check
0.01%
Monthly
0%
$35
$3
No Check
$7,500
No limits
No Check
$150,000 otherwise $35 / month
Regular Phone, Branch, Chat
No Check
0.01%
Monthly
1%-3%
$30
$5
No Check
$1,500
No limits
Check
$10,000 otherwise $25/month
Regular Phone, Branch, Chat
Check
1.2%
Monthly
0%
No Check
Varies
No Check
$6,000
No Check
Check
No Check
Chatbot
No Check
Wealth
Personalized Robo-Advisor Portfolio
Personalized Robo Advisory
US T-Bills + High Yield Cash Account
U.S  T-Bills (5%+ yield) &
Cash Sweep (4%+ yield)
50% off on Wealth.com Estate Plans
Direct Indexing & Tax loss harvesting
Management fee-charged monthly over avg. balance
Robo AUM Fees
Check
Check
Check
0.25% Premium 0.40% Basic
No Check
No Check
No Check
0.35%
Check
No Check
No Check
0.35%
Check
No Check
No Check
0.45%
No Check
No Check
No Check
No Check
Lifestyle
Airport Louges with Priority Pass
Member Benefits
Discounted Lifetime Fitness Membership
Gym & Lifestyle Discounts & Benefits
Discounted FightCamp Membership
Hotel & Travel Discounts & Benefits
Check
Check
Check
No Check
No Check
No Check
No Check
No Check
No Check
Check
No Check
No Check
Check
No Check
No Check

Comparison as of August 2023. Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with Onyx, nor do they endorse or sponsor this page.Third-party trademarks referenced herein are property of their respective owners.

Get Your Premium Plan Monthly Fee Back

Premium Plan Membership fee rebated if you hold over $120,000 of an average monthly balance in your investment account

WHAT ARE YOU WAITING FOR?

All-in-one Premium Banking, Wealth and Concierge

Onyx offers premium and exclusive services

Illustration Plans Plus
Basic
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$0/month
Benefits from Basic Plan
  • 0.5% cashback on card spending
  • 2% APY on Checking Account
  • Frictionless Money Movement
  • Native Bill Pay Management
  • Low Minimums, low fees
  • Treasuries, High-Yield Cash Sweep and Robo-Advisory Investments
Illustration Plans Premium
Plus
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$10/month
All benefits from Basic Plan
  • 1% cashback on card spending
  • 1% cashback on credit card bill payments
  • Payment Concierge
  • Joint accounts with up to 2 members
  • Financial Planning
  • Reduced investment fees
Illustration Plans Premium
Premium
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$25/month
All benefits from Plus Plan
  • Up to 5% cashback on card spending
  • Free cash withdrawal at any ATM
  • Priority Pass Airport Lounges
  • Lifetime Membership Discount
  • Lowest Investment fees
  • Financial Advisor
  • 24/7 Priority Support
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Frequent questions

Need more details?

Can I change my plan after signed up?
Yes, after you make your first deposit, you can change your plan by submitting a request through our customer service.
How do I pay for the monthly fee?
We'll automatically debit your monthly / annual fee from your account.
How can I get my Premium monthly fee for free?
By maintaining an average balance on your investment account over $120,000 we'll rebate your fee
What are the minimum deposits for each Onyx Plan?
The minimum deposit for the Basic Plan is $100 and for the Premium Plan, the minimum deposit is $500.
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