Choose the best plan for you!

Onyx offers a unified digital premium banking and wealth management experience with three options membership plans.

Hero Membership Background Personal
Hero Membership Background PersonalHero Membership Background Personal
Hero Membership Background Personal

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)
2.01% APY2 (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 ACHs
Mobile Check Deposit
100% Free ATM withdrawal
ATM withdrawal
100% Free ATM withdrawal
ATM Cash Deposit
17g Black Metal Card
Debit Card
Multiple Virtual Cards
Multiple Virtual Cards
1%-10% Cashback on Debit Card
Cashback5 on Debit Card
1%-10% Cashback on Debit Card
International Card Transaction Fee
1% cashback on credit card bill payment
1% cashback on credit card bill payment
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
$0
Check
Not available
1 free transaction of up to $500

2.15% for subsequent transactions
Check
No Check
Free at AllPoint ATMs
$3 per withdrawal at out of AllPoint network
Free at AllPoint ATMs.
Up to $2,000 per day
Plastic Card
Up to 2
0.5% (Capped at $20/month)
1% of the transaction amount
No Check
No Check
Check
No Check
$100
$50
Check
Up to 2 members
2 free transactions of up to $500

2.15% for subsequent transactions
Check
Check
Free at AllPoint ATMs
$3 per withdrawal at out of AllPoint network
Free at AllPoint ATMs.
Up to $2,000 per day
Plastic Card
Up to 5
1% for the first $50
earned and then 0.25%
1% of the transaction amount
Yes (Capped at $10/month)
No Check
Check
Check
$300
$100
Check
Up to 4 members
2 free transactions of up to $500

1.95% for subsequent transactions
Check
Check
Global, Unlimited, and Free at any ATM
Free at AllPoint ATMs.
Up to $2,000 per day
17g Metal Card
Up to 6
Up to 5% for the first $100
earned and then 0.45%
Free
Yes (Capped at $20/month)
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
Basic
$0
Plans Image
Banking
Minimum Deposit
Minimum Deposit
Minimum Deposit
Minimum Balance
1.4% APY (FDIC insurance)
2.01% APY2 (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 ACHs
Mobile Check Deposit
100% Free ATM withdrawal
ATM withdrawal
100% Free ATM withdrawal
ATM Cash Deposit
17g Black Metal Card
Debit Card
Multiple Virtual Cards
Multiple Virtual Cards
1%-10% Cashback on Debit Card
Cashback5 on Debit Card
1%-10% Cashback on Debit Card
International Card Transaction Fee
1% cashback on credit card bill payment
1% cashback on credit card bill payment
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
$0
Check
Not available
1 free transaction of up to $500

2.15% for subsequent transactions
Check
No Check
Free at AllPoint ATMs
$3 per withdrawal at out of AllPoint network
Free at AllPoint ATMs.
Up to $2,000 per day
Plastic Card
Up to 2
0.5% (Capped at $20/month)
1% of the transaction amount
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
Plus
$90/year
Plans Image
Banking
Minimum Deposit
Minimum Deposit
Minimum Deposit
Minimum Balance
1.4% APY (FDIC insurance)
2.01% APY2 (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 ACHs
Mobile Check Deposit
100% Free ATM withdrawal
ATM withdrawal
100% Free ATM withdrawal
ATM Cash Deposit
17g Black Metal Card
Debit Card
Multiple Virtual Cards
Multiple Virtual Cards
1%-10% Cashback on Debit Card
Cashback5 on Debit Card
1%-10% Cashback on Debit Card
International Card Transaction Fee
1% cashback on credit card bill payment
1% cashback on credit card bill payment
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
$50
Check
Up to 2 members
2 free transactions of up to $500

2.15% for subsequent transactions
Check
Check
Free at AllPoint ATMs
$3 per withdrawal at out of AllPoint network
Free at AllPoint ATMs.
Up to $2,000 per day
Plastic Card
Up to 5
1% for the first $50
earned and then 0.25%
1% of the transaction amount
Yes (Capped at $10/month)
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
Premium
$240/year
Plans Image
Banking
Minimum Deposit
Minimum Deposit
Minimum Deposit
Minimum Balance
1.4% APY (FDIC insurance)
2.01% APY2 (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 ACHs
Mobile Check Deposit
100% Free ATM withdrawal
ATM withdrawal
100% Free ATM withdrawal
ATM Cash Deposit
17g Black Metal Card
Debit Card
Multiple Virtual Cards
Multiple Virtual Cards
1%-10% Cashback on Debit Card
Cashback5 on Debit Card
1%-10% Cashback on Debit Card
International Card Transaction Fee
1% cashback on credit card bill payment
1% cashback on credit card bill payment
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
$300
$100
Check
Up to 4 members
2 free transactions of up to $500

1.95% for subsequent transactions
Check
Check
Global, Unlimited, and Free at any ATM
Free at AllPoint ATMs.
Up to $2,000 per day
17g Metal Card
Up to 6
Up to 5% for the first $100
earned and then 0.45%
Free
Yes (Capped at $20/month)
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

Manage your finances within a click

Effortlessly switch between your personal and business accounts with just one login.

Personal

Explore premium banking2, elevate wealth management, and enjoy exclusive member benefits seamlessly within your Personal Account.

Explore Personal Account
Icon Personal
Personal ImagePersonal ImagePersonal ImagePersonal Image

Business

Get yield on your idle money, cashback4 on your debit card purchases, Quickbooks and Xero native integrations with premium customer support .

Explore Business Account
Icon Business
Business ImageBusiness ImageBusiness ImageBusiness Image
Get Your Membership for Free

No Membership Plan fees if you hold over
$120,000 on the Premium Plan or $50,000 on the Plus Plan of an average monthly balance in your investment account

WHAT ARE YOU WAITING FOR?

One App, Dual Power

A Unified Personal and Business App that Simplifies Financial Management.

GET STARTED
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Illustration Plans Plus
Personal Basic
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$0/month
Benefits from Basic Plan
  • 0.5% cashback5 on card spending
  • 2.01% APY2 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
Personal Plus
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$10/month
All benefits from Basic Plan
  • 1% cashback5 on card spending
  • 1% cashback5 on credit card bill payments
  • Joint accounts with up to 2 members
  • Financial Planning
  • Reduced investment fees
  • Free cash Withdrawal at 40,000 Allpoint ATMs
Illustration Plans Premium
Personal 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
Illustration Plans Premium
Business
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$0/month

  • 2.01% APY2 on Checking Account
  • 1.5% Cashback on every purchase
  • Seamless Money Movement
  • Quickbooks and Xero native integrations
  • Multiple Virtual Cards
  • Mobile Check Deposit
  • 24/7 Priority Support
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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 monthly fee for free?
No Membership Plan fees if you hold over $120,000 on the Premium Plan or $50,000 on the Plus Plan of an average monthly balance in your investment account
What are the minimum deposits for each Onyx Plan?
The minimum deposit for the Basic Plan is $50, Plus Plan is $100 and for the Premium Plan, the minimum deposit is $300.
GET STARTED
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Download Onyx Private App

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