Love this banking! Absolutely love using this banking service the only down fall was having to pay $300 for the fire element and the fact how when u go to an ATM that charges you $3 to pull money out, ok that's fine but what's not fake is how oxygen also charges you am extra $3 just for still doing that. Which I'm not so sure how come that happens but it sucks! The perks are great can't complain their! Even tho the fire element cost so much for the card I cant however fully complain about the price when the card is just wonderful and so worth the money spent!

On the decline I love this bank but their focus has shifted away from everyday checking and has focused their attention on their business checking. The rewards aren't the same and honestly there are better options out there for online banking. Bring back the instant 10$ referrals, and give customers better perks for card upgrades.

Always prompt to answer back Always prompt to answer back. I feel safe with the extra steps they take to verify that who I say I am go the extra mile to help a customer example I had charges on my account that weren't mine and I went to shut the car down and the middle of the next day I'll send my card wasn't working and when I called they turned it back on from one more time so I could use it and have been on it ever since. Excellent banking employees.

BE WARNED!!! I used to love oxygen for years it was my only debit card until I recently had my tax refund deposited to my oxygen account. Then they froze my account and would not unfreeze it even after verifying my identity, became impossible to deal with and would not return calls or emails, and couldn't even give me consistent information between different customer service representatives. Then I looked online and found out I'm not alone. TONS of people are having the same issue as me. They used to be great but now OXYGEN IS A SCAM. They are now closing my account and I'm praying they send me my money back by check but I'm not going to hold my breath. So far they have held my money for 10 months and will not release it. DO NOT USE THIS COMPANY!!!

I’ve had oxygen for years now all of a… I’ve had oxygen for years now all of a sudden they are closing accounts with no information they won’t answer the phones so I can get my money off before they close.