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Banks Comparison

We add value beyond money. We are different where it matters.
Onyx Private is the best digital-first premium banking experience.
Compare Onyx Private Membership to other competing banks.

Banking

Banking

OnyxSapphire BankingPrivate ClientBank of AmericaSofi

Annual Percentage Yield

1.32%

0.01%

0.01%

0.01%

1.2%

Interest Compounded

Daily/Month

Monthly

Monthly

Monthly

Monthly

Debit Card Cash Back

1%-10%

0%

0%

1%-3%

0%

Wire Fee

$0

$35

$35

$30

Outside network ATM Fees

$0

$3

$3

$5

Varies

Payment Concierge

Card Transaction Limit

$20,000

$7,500

$7,500

$1,500

$6,000

Wire Limits

No limits

No limits

No limits

No limits

Full mobile banking via App

Yes

Trust, LLCs & Sole Proprietor Bus. Accts

$30 / month unless $25k balance

Customer Service Response Times

<15 min via chat

30+ min phone or branch only

30+ min phone or branch only

30+ min phone or branch only

Hours email / chatbot

Monthly Maintenance Fee / Minimum Balance Requirement

$0 minimum balance requirement $1,000 initial deposit

$75,000 otherwise $25 / month

$150,000 otherwise $35 / month

$10,000 otherwise $25/month

Personalized Investments

Personalized Investments

Personalized Robo Advisory

Crypto Exposure

Direct Indexing & Tax loss harvesting

Robo AUM Fees

Free for first $50,000 then 0.20%

0.35%

0.35%

0.45%

Member Benefits

Member Benefits

24/7 Lifestyle Concierge

Member Benefits

Gym & Lifestyle Discounts & Benefits

Hotel & Travel Discounts & Benefits

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Third-party trademarks referenced herein are property of their respective owners.