I have been an Oxygen Banking member… I have been an Oxygen Banking member for a year. Everything was fine until I was a victim of theft and subsequent fraud. My phone was stolen and all my accounts that were tied to my phone were ruined. I provided a police report and oxygen said “no error found” and denied the claim. I refuse to be on the hook for $450 I never spent. Avoid oxygen at all costs. On advice of others I’ll be submitting to the BBB and FTC. Visa guarantees its customers 0% liability for unauthorized charges. They re opened the dispute and it’s looking like this will be a 6 week process. I’ve reached out to my states attorney general and filed a grievance with their office.

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!

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

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.

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!