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Choose the best plan for you!

Onyx offers an exclusive unified premium banking, investments and with and exclusive member benefits with three membership options

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17g Metal Card
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Cashback
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Compare all the benefits

More information for you to make the right choice

MonthlyAnnual
up to 25% OFF
Membership Fee
Basic
$0
Plans Image
Plus
$90/year
Plans Image
Premium
$240/year
Plans Image
Banking
Minimum Deposit
Minimum Deposit
Minimum Deposit
Minimum Balance
1.4% APY (FDIC insurance)
2% APY (FDIC* insurance)
Joint Accounts- up to 4 people
Joint Accounts
Joint Accounts- up to 4 people
External Debit Card Funding
Free ACHs
Free ACHs
Free Wire
Wire Transfer
100% Free ATM withdrawal
Free ATM withdrawal
17g Black Metal Card
Free Black Debit Card
Multiple Virtual Cards
Multiple Virtual Cards
1%-10% Cashback on Debit Card
Cashback on Debit Card
1% cashback on credit card bill payment
1% cashback on credit card bill payment
Payment Concierge
Payment Concierge
24/7 priority customer support
24/7 priority customer support
$250 and reduced rate on mortgages via Own Up
$250 and reduced rate on mortgages via Own Up
Referral Program
Referral Program
$50
$0
Check
Up to 2 members
1 free transaction of up to $500

2.15% for subsequent transactions
Check
$10
Free at AllPoint ATMs
Plastic Card
Up to 2
0.5% (Capped at $20/month)
No Check
No Check
No Check
Check
No Check
$100
$100
Check
Up to 2 members
2 free transactions of up to $500

2.15% for subsequent transactions
Check
$5
Free at AllPoint ATMS + 1 free domestic withdraw
Plastic Card
Up to 5
1% for the first $50
earned and then 0.25%
Yes (Capped at $10/month)
Check
No Check
Check
Check
$250
$100
Check
Up to 4 members
2 free transactions of up to $500

1.95% for subsequent transactions
Check
Free
Global, Unlimited, and Free at any ATM
17g Metal Card
Up to 6
Up to 5% for the first $100
earned and then 0.45%
Yes (Capped at $20/month)
Check
Check
Check
Check
Wealth
US T-Bills + High Yield Cash Account
US T-Bills + High Yield Cash Account
Personalized Robo-Advisor Portfolio
Personalized Robo-Advisor Portfolio
Personalized Robo-Advisor Portfolio
Financial Planning
50% off on Wealth.com Estate Plans
50% off on Wealth.com Estate Plans
Management fee-charged monthly over avg. balance
Investment management fee (charged monthly over avg. balance)
Check
Check
No Check
No Check
40 bps per year
Check
Check
Core
Check
30 bps per year
Check
Check
Core + SMB
Check
25 bps per year
Member Benefits
Airport Louges with Priority Pass
Airport Lounges with Priority Pass
Discounted Lifetime Fitness Membership
Discounted Lifetime Fitness Membership
Discounted FightCamp Membership
Discounted FightCamp Membership
No Check
No Check
Check
No Check
No Check
Check
Check
Check
Check
GET BASIC
GET PLUS
GET PREMIUM
Basic
Plus
Premium
Basic
$0
Plans Image
Banking
Minimum Deposit
Minimum Deposit
Minimum Deposit
Minimum Balance
1.4% APY (FDIC insurance)
2% APY (FDIC* insurance)
Joint Accounts- up to 4 people
Joint Accounts
Joint Accounts- up to 4 people
External Debit Card Funding
Free ACHs
Free ACHs
Free Wire
Wire Transfer
100% Free ATM withdrawal
Free ATM withdrawal
17g Black Metal Card
Free Black Debit Card
Multiple Virtual Cards
Multiple Virtual Cards
1%-10% Cashback on Debit Card
Cashback on Debit Card
1% cashback on credit card bill payment
1% cashback on credit card bill payment
Payment Concierge
Payment Concierge
24/7 priority customer support
24/7 priority customer support
$250 and reduced rate on mortgages via Own Up
$250 and reduced rate on mortgages via Own Up
Referral Program
Referral Program
$50
$0
Check
Up to 2 members
1 free transaction of up to $500

2.15% for subsequent transactions
Check
$10
Free at AllPoint ATMs
Plastic Card
Up to 2
0.5% (Capped at $20/month)
No Check
No Check
No Check
Check
No Check
Wealth
US T-Bills + High Yield Cash Account
US T-Bills + High Yield Cash Account
Personalized Robo-Advisor Portfolio
Personalized Robo-Advisor Portfolio
Personalized Robo-Advisor Portfolio
Financial Planning
50% off on Wealth.com Estate Plans
50% off on Wealth.com Estate Plans
Management fee-charged monthly over avg. balance
Investment management fee (charged monthly over avg. balance)
Check
Check
No Check
No Check
40 bps per year
Member Benefits
Airport Louges with Priority Pass
Airport Lounges with Priority Pass
Discounted Lifetime Fitness Membership
Discounted Lifetime Fitness Membership
Discounted FightCamp Membership
Discounted FightCamp Membership
No Check
No Check
Check
GET BASIC
Plus
$90/year
Plans Image
Banking
Minimum Deposit
Minimum Deposit
Minimum Deposit
Minimum Balance
1.4% APY (FDIC insurance)
2% APY (FDIC* insurance)
Joint Accounts- up to 4 people
Joint Accounts
Joint Accounts- up to 4 people
External Debit Card Funding
Free ACHs
Free ACHs
Free Wire
Wire Transfer
100% Free ATM withdrawal
Free ATM withdrawal
17g Black Metal Card
Free Black Debit Card
Multiple Virtual Cards
Multiple Virtual Cards
1%-10% Cashback on Debit Card
Cashback on Debit Card
1% cashback on credit card bill payment
1% cashback on credit card bill payment
Payment Concierge
Payment Concierge
24/7 priority customer support
24/7 priority customer support
$250 and reduced rate on mortgages via Own Up
$250 and reduced rate on mortgages via Own Up
Referral Program
Referral Program
$100
$100
Check
Up to 2 members
2 free transactions of up to $500

2.15% for subsequent transactions
Check
$5
Free at AllPoint ATMS + 1 free domestic withdraw
Plastic Card
Up to 5
1% for the first $50
earned and then 0.25%
Yes (Capped at $10/month)
Check
No Check
Check
Check
Wealth
US T-Bills + High Yield Cash Account
US T-Bills + High Yield Cash Account
Personalized Robo-Advisor Portfolio
Personalized Robo-Advisor Portfolio
Personalized Robo-Advisor Portfolio
Financial Planning
50% off on Wealth.com Estate Plans
50% off on Wealth.com Estate Plans
Management fee-charged monthly over avg. balance
Investment management fee (charged monthly over avg. balance)
Check
Check
Core
Check
30 bps per year
Member Benefits
Airport Louges with Priority Pass
Airport Lounges with Priority Pass
Discounted Lifetime Fitness Membership
Discounted Lifetime Fitness Membership
Discounted FightCamp Membership
Discounted FightCamp Membership
No Check
No Check
Check
GET PLUS
Premium
$240/year
Plans Image
Banking
Minimum Deposit
Minimum Deposit
Minimum Deposit
Minimum Balance
1.4% APY (FDIC insurance)
2% APY (FDIC* insurance)
Joint Accounts- up to 4 people
Joint Accounts
Joint Accounts- up to 4 people
External Debit Card Funding
Free ACHs
Free ACHs
Free Wire
Wire Transfer
100% Free ATM withdrawal
Free ATM withdrawal
17g Black Metal Card
Free Black Debit Card
Multiple Virtual Cards
Multiple Virtual Cards
1%-10% Cashback on Debit Card
Cashback on Debit Card
1% cashback on credit card bill payment
1% cashback on credit card bill payment
Payment Concierge
Payment Concierge
24/7 priority customer support
24/7 priority customer support
$250 and reduced rate on mortgages via Own Up
$250 and reduced rate on mortgages via Own Up
Referral Program
Referral Program
$250
$100
Check
Up to 4 members
2 free transactions of up to $500

1.95% for subsequent transactions
Check
Free
Global, Unlimited, and Free at any ATM
17g Metal Card
Up to 6
Up to 5% for the first $100
earned and then 0.45%
Yes (Capped at $20/month)
Check
Check
Check
Check
Wealth
US T-Bills + High Yield Cash Account
US T-Bills + High Yield Cash Account
Personalized Robo-Advisor Portfolio
Personalized Robo-Advisor Portfolio
Personalized Robo-Advisor Portfolio
Financial Planning
50% off on Wealth.com Estate Plans
50% off on Wealth.com Estate Plans
Management fee-charged monthly over avg. balance
Investment management fee (charged monthly over avg. balance)
Check
Check
Core + SMB
Check
25 bps per year
Member Benefits
Airport Louges with Priority Pass
Airport Lounges with Priority Pass
Discounted Lifetime Fitness Membership
Discounted Lifetime Fitness Membership
Discounted FightCamp Membership
Discounted FightCamp Membership
Check
Check
Check
GET PREMIUM

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
Compare Plans
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Frequent questions

Need more details?

Can I change my plan after signing up?
Yes, after you make your first deposit, you can change your plan by submitting a request through our customer service or directly through the app.
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 and Plus Plan is $100 and for the Premium Plan, the minimum deposit is $500.
Apply Now
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