Legal

Terms and Conditions

All the details that you need to know

Privacy Policy

Terms of Service

Consumer Deposit Agreement

Onyx Rewards Program Agreement

Concierge Membership rules

Consumer Debit Cardholder Agreement

Privacy Policy

Terms of Service

Consent Electronic Disclosures

Consumer Deposit Agreement

Onyx VISA Debit Cardholder Agreement

Onyx Membership Plan Schedule of Fees

Onyx Rewards Program Agreement

Onyx Concierge Membership Rules

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