No fees small business bank* account in minutes
One app for a business savings and deposit account. No extra fees. A Oxygen Visa® Business Debit Card that puts cashback in your pocket.
Open your business account
Open a deposit or savings business account
No red tape. No minimum balance. Open your business account in minutes.
5% cashback¹ on business expenses
Free money in your pocket? That’s a no-brainer. With the Oxygen Visa® card, enjoy up to 5% cashback just by spending with the merchants you work with every day, including FedEx, Vistaprint, and Staples.
Spend securely with virtual cards²
Keep your info safe when purchasing online with virtual cards that put you in control. Create limited-use virtual cards to pay specific merchants, add spending limits for employees, and track all transactions with the Oxygen app.
Cash when you need it
40,000 ATMs³, zero fees to use them. Easily access cash when you need to with ATMs conveniently located across the U.S. at Target, Walgreens, CVS, Safeway, and much more.
Grow your savings with a 1% Annual Percentage Yield⁴
Then give your growing savings a boost with Oxygen round-ups and accelerators. Round-up every debit card transaction to the nearest dollar and have the difference transfer directly to your savings account—or increase those roundups 2x or 5x with accelerators to supercharge your savings.
Send and receive money with ease
Oxygen keeps it hassle-free with seamless domestic wire and ACH transfers for business accounts.
The platform built to support your business
Business invoicing
Customize and automate invoices to never miss a payment again.
Business incorporation⁵
We help you determine the right way to incorporate your business and guide you along the way.
Pay employees sooner
Set up direct deposit for employees to give them their paychecks up to two days early⁶.
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