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.

I have a secondary account with oxygen… I have a secondary account with oxygen I haven't been able to log in for months they claim it's because my bootloader is unlocked on my phone but honestly it's non of there business as they do not pay my phone bill.i hope this bank fails and would love to check to see if I have money in there.count me as a excustomer especially being my other bank accounts do not care about how I operate my device

Amazing card… I have had excellent service since day one. I love the cash back feature. I also really love the responses from vendors commenting on how unique the physical card is!

“Best Bank Ever…” Oxygen has been by far the best bank I’ve ever dealt with I work at Fedex and I put my check in by direct deposit and I always get my check at least 2 days before the other guys that I work with!!! Great savings account also and plenty of cash back opportunities !!! The only thing I would like to see changed is that I can’t get an extra bank card for my wife?????

No longer appealing Cashback incentives were the biggest reason I loved this bank. The latest update has heavily restricted which vendors cashback can be earned at and when your cashback rewards can be deposited to your account. They've also reduced the amount of money earned per purchase. Unfortunately after a few years with Oxygen it may be time to move on.