Open a personal bank* account. Get a debit card.
Get an Oxygen Visa® Debit Card with your personal deposit and savings bank account. No minimum deposit, no hidden fee, plus cashback for shopping.
Open an account
A personal account to boost your finances
Open in minutes, with no minimum balance required.
Spend more, earn more
Get up to 6% cashback¹ from the brands you love, like Lyft, Mcdonalds, Whole Foods, Walmart, and more when you shop with your Oxygen Visa® card.
Tiers for every budget
Not only does every personal account come with an Oxygen Visa® Card, but you get to pick the Element tier that best fits your budget and spending style.
One time use virtual cards²
Keep your Oxygen card secure while keeping your family on budget with virtual cards. Set the spending limit, select how long the card can be used for, and even use virtual cards for recurring payments, like utility bills and subscriptions.
Easy access to cash
With over 40,000 Allpoint ATMs³ across the U.S. at stores like Target, CVS, Walgreens, Safeway, and more, withdrawing cash is a breeze—and, always fee-free.
Send and receive money
Account holders can send and receive money with domestic wires, direct deposit, and Oxygen friends according to the tier they subscribe to.
Up to 2.40% Annual Percentage Yield⁴
Boost your savings with 5x the national average APY⁵. Reach your money goals even quicker by rounding up every purchase you make with your Element card, and transfer the difference directly to your savings account.
Even more perks
Get your paycheck up to two days early⁶
Get paid before your friends, up to two days faster when you set up direct deposit.
Business account
Why juggle multiple financial institutions? Get personal and business accounts in one app.
Oxygen Friends (P2P)
Split expenses, send and receive money, and chat with friends who also have Oxygen accounts. You can even send an OGift on any occasion.
Be a part of our