Can I receive deposits from other people in my account?

No, our deposit agreement does not allow for you to receive deposits for other people. Deposits that come in with a different name other than yours may be subject to your account being blocked for further review.

support@oxygen.us
866-287-7021,
580 California St, 12th Floor
San Francisco, CA 94104
support@oxygen.us
866-287-7021,
580 California St, 12th Floor
San Francisco, CA 94104

Banking Services provided by The Bancorp Bank, N.A., Member FDIC. The Oxygen Visa® Debit Card and the Oxygen Business Visa® Debit Card are issued by The Bancorp Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

1 Oxygen won the 2021 Best Overall Fintech App at the Fintech Breakthrough Awards.

2 Cashback percentage varies by element. Variable annual fee and account activity requirements may apply. Please refer to Cashback Terms & Conditions for more details.

3 Savings APY varies by Element. Variable annual fees, deposit and spend requirements may apply. No interest paid on balances over $20,000. Please refer to Oxygen-Bancorp Savings Agreement for details.

4 Early access to direct deposit funds depends on the timing of the payer's submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer's scheduled payment date.

5 0.50% APY applies to Earth Element and balances of $20,000 or less. For balances over $20,000, APY ranges from 0.50% to 0.08%. APY current as of 8/04/22. Please refer to Oxygen-Bancorp Savings Agreement for details.

61.00% APY applies to Water Element and balances of $20,000 or less. For balances over $20,000, APY ranges from 1.00% to 0.17%. APY current as of 8/04/22. Annual fee applies, fees may reduce earnings. No minimum balance to open the account, however, monthly spend and deposit requirements apply. Please refer to Oxygen-Bancorp Savings Agreement for details.

72.00% APY applies to Air Element and balances of $20,000 or less. For balances over $20,000, APY ranges from 2.00% to 0.33%. APY current as of 8/04/22. Annual fee applies, fees may reduce earnings. No minimum balance to open the account, however, monthly spend and deposit requirements apply. Please refer to Oxygen-Bancorp Savings Agreement for details.

83.00% APY applies to Fire Element and balances of $20,000 or less. For balances over $20,000, APY ranges from 3.00% to 0.50%. APY current as of 8/04/22. Annual fee applies, fees may reduce earnings. No minimum balance to open the account, however, monthly spend and deposit requirements apply. Please refer to Oxygen-Bancorp Savings Agreement for details.

9Based on the average Savings APY at fdic.gov

10LLC formation is powered by CorpNet, Inc. Fees for LLC creation differ by state and services selected.

11 For Business cashback rewards, please refer to Cashback Terms and Conditions for details.

121.00% APY applies to your business savings account and balances of $20,000 or less. APY current as of 8/04/22. Please refer to Oxygen - Bancorp Business Savings Agreement for details.

All trademarks and brand names belong to their respective owners.

For full details on Retail and Travel benefits please refer to your Cardholder Guide to Benefits.

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