Onyx Private - One app, Dual Power
Empowering Small Business Owners to Thrive and Grow with a Unified Personal and Business App that Simplifies Financial Management.
● High-yield FDIC insured 2.01% Annual Percentage Yield (APY)*** checking accounts
● Instantly Debit Card Funding
● High-limits free money movement (Business Wires, ACH, ATMs, international transactions with zero fees)
● Free Joint Accounts for up to 4 members
● 17g Metal Debit Card and multiple virtual cards. High transaction spend limits on each card ($15k daily limit)
● 1%-5% cashback**** on personal card spending and 1.5% on business
● 1% on credit card bill payments
● Free Personalized Robo-advisory with direct indexing and tax-loss harvesting
● 4-5% Money Market Account and T-Bills Yield
● Premium Financial Advisors AI-enhanced
● Other exclusive member benefits like Lounge Access, Estate Planning, Mortgage Loans, Fitness discounts and more...
* (1) Onyx is not a bank. Banking services provided by i3 Bank, Member FDIC.
** (2) The Onyx Visa® Debit Card is issued by i3 Bank pursuant to a license from Visa U.S.A. Inc.
*** (3) Annual Percentage Yield ("APY") of 2.01% is variable and subject to change after account opening. APY is effective as of 12/13/2023. Fees could affect earnings on the account.
**** (4) Additional terms and conditions apply to cashback rewards.
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Onyx Private FAQ
Is Onyx Private free?
Yes, Onyx Private is completely free and it doesn't have any in-app purchases or subscriptions.
Is Onyx Private legit?
✅ The Onyx Private app appears to be high-quality and legitimate. Users are very satisfied.
I was approved for Onyx and excited to begin using their services, only to be told the following day that my account was permanently closed with no recourse. I’m an UHNW individual with various other private banks, and the extremely poor experience I’ve had here would lead me to never recommend Onyx’s services to anyone. This is what you get from a FinTech that hides behind their partner bank. Anybody with actual needs for a private bank should seek out an actual private bank with a physical location and bankers than you can speak with rather than this sham operation.
Onyx: Best banking and customer service
I've been working with Bank of America for years and decided to try a new digital bank and couldn't be happier by choosing Onyx. Onyx banking experience is much better than BofA, i can make all transactions and investments in just one place and the concierge is fantastic. In addition, they have a top notch customer service, with fast and attentive response, much superior than any alleging branch service I had before
Still waiting…
No indication of how long the wait list is or how long it takes to get an account. I applied more than a month ago and received a bot response that I would get on boarding instructions soon. But nothing so far…
The wait is worth it. The app is good and the bank is good.
Thank you Onyx!
I love the sleek interface and the UI, the banking features are great and I’d highly recommend. Hopefully I can use this for a while.
Great app with top notch offerings and service
Onyx has been my primary banking service since Jan of 2023. Their support is amazing and the premier tier is well worth it with best in class concierge. The app is filled with great features and investment options. Service is amazing and customer centric. Looking forward to long term success for the app.
Onyx is the bank (and more) for me
Countless features you'd never see at a traditional bank with solid and responsive customer service makes Onyx shine.
Great app!
I have the premium membership via Onyx. They have always responded very quickly to all my questions and got me and my group into an exclusive wagyu restaurant in Japan on short notice! It was a great experience. I loved when they had the debit card funding and hope they bring it back soon.
Very happy so far
You can tell that they’re really trying to differentiate themselves to offer a great product. Some cool perks - quick transfers, and cashback on the debit card are great!
Best digital banking app
Loved having banking, investments and concierge in one place!
Super helpful and convenient!
Top Notch Banking and Customer Service
I have been with Onyx since the first quarter 2023, they have been very professional and add a personal touch with their customer service. I have participated in many services that are offered on the platform. I look forward to what the future holds. I have been with several banking institutions over the last 30 years and Onyx is in my top 3.
