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!

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.

I want my money out of your account… I want my money out of your account oxygen I am locked out of the app can't get any of my money I just got my income tax deposited in that account and can't get my money what the heck is going on

Amazing that about sums up this banking… Amazing that about sums up this banking institution. From the travel benefits you rarely see on anything but high unachievable credit cards to the ease of use of their app usually found only on the most modern of banks it all is there and works perfectly add in the burnable cards for online shopping and it just makes them the perfect choice for a banking partner. And it looks like they will be adding more benefits in the future so I will definitely be sticking with them for the long run.

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.