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Choose the best plan for you!

Onyx offers an exclusive unified premium banking and investments experience with a white-glove 24/7 concierge service with two membership options

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24/7 Concierge
In-app chat lightning-fast, human service with less than 2 min response - no chatbots. Suggestions and reservations on dining, travel, experiences, and goods. Onyx members enjoy exclusive benefits, preferred pricing, and priority access.
Get Premium Plan
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17g Metal Card
Get Premium Plan
Icon Arrow Right PurpleIllustration Plans Cashbacks
Cashback
Get Premium Plan
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Compare all the benefits

More information for you to make the right choice

MonthlyAnnual
20% OFF
Basic
U$ 0
Plans Image
Premium
U$ 50/40 mo
Plans Image
Banking
Free ACHs
Free ACHs
Free Wire
Free Wire
100% Free ATM withdrawal
Free ATM withdrawal
17g Black Metal Card
17g Black Metal Card
1%-10% Cashback on Debit Card
1%-10% Cashback on Debit Card
Multiple Virtual Cards
Multiple Virtual Cards
1% cashback on credit card bill payment
1% cashback on credit card bill payment
Payment Concierge
Payment Concierge
1.4% APY (FDIC insurance)
1.55% APY (FDIC insurance)
Joint Accounts- up to 4 people
Joint Accounts
$250 and reduced rate on mortgages via Own Up
$250 and reduced rate on mortgages via Own Up
24/7 priority customer support
24/7 priority customer support
Minimum Deposit
Minimum Deposit
Check
$10
Only at All Point ATMs
Paid separately upon request
No Check
Check
No Check
No Check
Check
Up to 2 members
Check
No Check
$100
Check
Free
Check
Free and available
Check
Check
Check
Check
Check
Up to 4 members
Check
Check
$500
Wealth
US T-Bills + High Yield Cash Account
US T-Bills + High Yield Cash Account
Personalized Robo-Advisor Portfolio
Personalized Robo-Advisor Portfolio
50% off on Wealth.com Estate Plans
50% off on Wealth.com Estate Plans
Management fee-charged monthly over avg. balance
Investment fees
Check
Check
No Check
40 bps per year
Check
Check
Check
25 bps per year
Lifestyle
24/7 Lifestyle concierge
24/7 Lifestyle concierge
Airport Louges with Priority Pass
Airport Lounges with Priority Pass
Discounted Lifetime Fitness Membership
$540/yr off on Lifetime Fitness Membership
Discounted FightCamp Membership
Discounted FightCamp Membership
No Check
No Check
No Check
Check
Check
Check
Check
Check
GET BASIC
GET PREMIUM
Basic
Premium
Basic
U$ 0
Plans Image
Banking
Free ACHs
Free ACHs
Free Wire
Free Wire
100% Free ATM withdrawal
Free ATM withdrawal
17g Black Metal Card
17g Black Metal Card
1%-10% Cashback on Debit Card
1%-10% Cashback on Debit Card
Multiple Virtual Cards
Multiple Virtual Cards
1% cashback on credit card bill payment
1% cashback on credit card bill payment
Payment Concierge
Payment Concierge
1.4% APY (FDIC insurance)
1.55% APY (FDIC insurance)
Joint Accounts- up to 4 people
Joint Accounts
$250 and reduced rate on mortgages via Own Up
$250 and reduced rate on mortgages via Own Up
24/7 priority customer support
24/7 priority customer support
Minimum Deposit
Minimum Deposit
Check
$10
Only at All Point ATMs
Paid separately upon request
No Check
Check
No Check
No Check
Check
Up to 2 members
Check
No Check
$100
Wealth
US T-Bills + High Yield Cash Account
US T-Bills + High Yield Cash Account
Personalized Robo-Advisor Portfolio
Personalized Robo-Advisor Portfolio
50% off on Wealth.com Estate Plans
50% off on Wealth.com Estate Plans
Management fee-charged monthly over avg. balance
Investment fees
Check
Check
No Check
40 bps per year
Lifestyle
24/7 Lifestyle concierge
24/7 Lifestyle concierge
Airport Louges with Priority Pass
Airport Lounges with Priority Pass
Discounted Lifetime Fitness Membership
$540/yr off on Lifetime Fitness Membership
Discounted FightCamp Membership
Discounted FightCamp Membership
No Check
No Check
No Check
Check
GET BASIC
Premium
U$ 50/40 mo
Plans Image
Banking
Free ACHs
Free ACHs
Free Wire
Free Wire
100% Free ATM withdrawal
Free ATM withdrawal
17g Black Metal Card
17g Black Metal Card
1%-10% Cashback on Debit Card
1%-10% Cashback on Debit Card
Multiple Virtual Cards
Multiple Virtual Cards
1% cashback on credit card bill payment
1% cashback on credit card bill payment
Payment Concierge
Payment Concierge
1.4% APY (FDIC insurance)
1.55% APY (FDIC insurance)
Joint Accounts- up to 4 people
Joint Accounts
$250 and reduced rate on mortgages via Own Up
$250 and reduced rate on mortgages via Own Up
24/7 priority customer support
24/7 priority customer support
Minimum Deposit
Minimum Deposit
Check
Free
Check
Free and available
Check
Check
Check
Check
Check
Up to 4 members
Check
Check
$500
Wealth
US T-Bills + High Yield Cash Account
US T-Bills + High Yield Cash Account
Personalized Robo-Advisor Portfolio
Personalized Robo-Advisor Portfolio
50% off on Wealth.com Estate Plans
50% off on Wealth.com Estate Plans
Management fee-charged monthly over avg. balance
Investment fees
Check
Check
Check
25 bps per year
Lifestyle
24/7 Lifestyle concierge
24/7 Lifestyle concierge
Airport Louges with Priority Pass
Airport Lounges with Priority Pass
Discounted Lifetime Fitness Membership
$540/yr off on Lifetime Fitness Membership
Discounted FightCamp Membership
Discounted FightCamp Membership
Check
Check
Check
Check
GET PREMIUM

Get Your Premium Plan Monthly Fee for Free*

No Premium Plan fees 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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  • Free account
  • 1.55% APY
  • Frictionless Money Movement
  • Personalized investments
Illustration Plans Premium
Premium
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  • 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
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 Plan is $100 and for the Premium Plan, the minimum deposit is $500.
Apply Now
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