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What are my daily transfer limits, transaction fees, and authorization periods?
What are my daily transfer limits, transaction fees, and authorization periods?
Updated over a week ago

Transfer limits

When you get a Oxygen debit card, certain limits apply to specific transactions as shown, see Deposit Account Agreement and Business Deposit Account Agreement for full limit and fee details:

Incoming transactions

Limits

Direct deposits or ACH transfers initiated from an external financial institution

No limit to the number of times per calendar day; no maximum dollar limit

ACH transfers to the Account using the Oxygen Platform

Only one ACH transfer can be in process at a time with a maximum initial deposit of $200.00 per calendar day, and a maximum of up to $500.00 per calendar month; We may adjust the limits

based on customer behavior and element tier; ACH rejections or returns may lead to restrictions on ACH transfers.

ACH Credits initiated from an external bank account

There is no limit to the number of times per calendar day

Cash reload via Green Dot

3 transactions per calendar day; maximum of $1,000 per deposit and $1,000 per calendar day; maximum of $10,000 per calendar month

Wire transfers initiated from an external financial institution

No limit to the number of times per calendar day; no maximum dollar limit

International wires to Oxygen accounts are not permitted.

Ingo mobile check deposit

$5,000 per check per calendar day; $150,000 per calendar month

Money transfer through Cash App/FB Deposits

$5,000 per transaction per calendar day; $15,000 per calendar month

Outgoing transactions

Limits

ATM cash withdrawal

3 withdrawals per calendar day; up to $500 per calendar day

Cash back through POS

$500 per calendar day

Debit card signature-based transactions

$2,500 per calendar day

Debit card PIN-based transactions

$2,500 per calendar day

Business debit card purchase (signature or PIN)

No limit to the number of transactions per calendar day; up to $10,000 per transaction; up to $25,000 per calendar day; up to $150,000 per calendar month

Bill pay

$5,000 per payment per calendar month

Overall spending limit

$5,000 per calendar day

Virtual card spending

$2,500 maximum per transaction

Outgoing wire: Business

$10,000 limit per transfer; $50,000 daily limit; $200,000 monthly limit

Outgoing wire: Personal (Water, Air, Fire)

$10,000 limit per transfer; $10,000 daily limit; $25,000 monthly limit

Ogift and P2P (Oxygen Friends)

$2,500 daily limit; $15,000 monthly limit; $1.00 minimum

Fees

Transactions

Fees

Out-of-network ATM fee

$3 (ATM providers may add an additional separate surcharge)

International transaction fee

1% of the transaction amount

International ATM fee

$5 ATM withdrawal fee; ATM providers may also charge a separate fee (International transaction fees also apply.)

Ingo mobile check deposit

Money in days: free

Money in minutes: 1% of the check amount; minimum of $5 for payroll and government checks

4% of the check amount; minimum of $5 for all other accepted checks

Wire fee

$10 for Business; $15 for Water, Air and Fire customers

Annual fee

$49 for Water, $99 for Air, or $299 for Fire will be charged to your Oxygen deposit account anually

Expedited card replacement fee

$50 fee per expedited card request

Time frames

Category

Time frames (except holidays)

Standard card replacement

7–10 calendar days

Expedited card replacement

2-3 business days

Refund check

7–14 business days

Direct deposit

It will post as soon as it’s been received by the sender

Bill pay (mail a check)

Up to 14 business days

Funds transfer from external accounts

Up to 3 business days

Ingo mobile check deposit

Money in days: within 10 calendar days

Money in minutes: approval is within one hour if approved, funds will post within 1–2 business days depending on the receiving bank

Authorization hold time frames

Transaction type

Timeframe

Regular transactions

Up to 7 calendar days

Hotel/Car rentals/Cruises

Up to 30 calendar days

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