Apply for Onyx Private Banking Membership

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Banking

Premium Banking

FDIC insured checking account
Up to 4 people Joint Account
17g Metal Debit Card
Cashback on every purchase

Wealth

Personalized Investments

$500,000 SIPC insurance
Portfolio based on your risk profile
Low minimum
T-Bills and High Yield Cash Account

Lifestyle

24/7 Concierge

In-app chat request fast response
Human interaction powered by AI
Airport Lounges with Priority Pass
Lifetime Discount

WHAT ARE YOU WAITING FOR?

All-in-one Premium Banking, Wealth and Concierge

Onyx offers premium and exclusive services

Basic

Free account
1.55% APY
Frictionless Money Movement
Personalized investments

Premium

All the benefits of the Basic Plan
17g metal debit card with 1-10% cashback
1% cashback in credit card bill payments
Free ATM withdrawal, ACH, and wire
24/7 concierge service

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1. Onyx is a financial technology company and is not a bank—banking services provided by Piermont Bank; Member FDIC. Deposits are insured to the maximum amounts permissible by law. Visit https://edie.fdic.gov/indes.html to learn more. The Onyx Visa® Debit Card is issued by Piermont Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
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2. The interest rate on your checking account is 1.46%, with an APY of 1.47%. Your interest rate and annual percentage yield are variable and subject to change based on the target range of the Federal Funds Rate. Fees could reduce earnings.
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3. Onyx is not an investment adviser. However, we've partnered with Helium Advisors LLC (“Helium”), an SEC-registered investment adviser, to bring you investing features. Helium provides all investment advisory services. We are not affiliated with Helium, but w receive compensation as a percentage of assets managed by Helium for promoting Helium’s investment advisory services. Investing involves risk, including the possible loss of principal, and there is no assurance that the investment will provide positive performance over any period of time. Helium accounts are not bank-guaranteed or FDIC-insured. View Full Disclosures

This is not a solicitation for a deposit account or debit card. Waitlist status is not a guarantee of membership. You agree by putting your name and contact information on the waitlist we can contact you using the submitted information. All waitlist participants will be contacted (SMS, Email, in-app messages) regarding updates to the Onyx program, subsequent submission of membership application information to be requested by Onyx in the waitlist order received plus number of referrals. To become a member will require the submission of additional information for verification of eligibility. You can remove your name from the waitlist at any time.