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.

Cashback is meh but the only positive. Cashback is cool, but waiting a til "oxygen day" (every month on the 8th) to use it is stupid. So you're locked out of cashback, but it use to be as soon as you hit the $10 minimum. They don't have any credit builders, loans, line of credit, or anything like varo, chime, Albert.

you changed the cashback experience you changed the cashback experience. Its a hassle and unappealing to even use the cashback feature anymore. you could at least now make it automatic cashback and not limit the variety of retailers to just 1% of all available companies. you could implement all food $1 back not just 10 different restaurants and all other retail the 5 or 6% depending on element level and exclude all money transfer. most every transaction already is categorized so I don't get why you're system can't automatically process cashback for each category on a weekly and daily basis. I don't want to be forced to limit my shopping to a select few retailers of your choosing to get cashback!

“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.