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!!!

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.

BidStat charges! We paid for a one time subscription to a service that these lot bought! They now want us to pay every year! The Bidstat system uses freely available information

Fluid banking with lots of benefits I've been using Oxygen for about 3 years now and I have to say it's been my favorite banking experience so far. I really enjoy the single use cards and vendors specific card options they provide, they offer another layer of privacy and security that other banks do not. Getting paid early is definitely a nice bonus as well, I look forward to banking with Oxygen for years to come.

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!