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We’re Oxygen: the fresh new bank account for free thinkers, rebels, and entrepreneurs, offering both Personal & Business Accounts.

Awarded Best Digital Banking Account* in the US. This is banking for the 21st century.

Stay Extraordinary

You reject the status quo. You blaze your own path. You are extraordinary. Maximize your potential with flexible banking in your back pocket.

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Why Oxygen?

  • NO MONTHLY FEES
  • NO OVERDRAFT FEES
  • NO MINIMUM BALANCE FEES
  • NO ACH BANK TRANSFER FEES
  • 55K FEE FREE ALLPOINT ATMs
  • CASHBACK REWARDS

Cashback rewards to perk you up

Earn cashback rewards on everyday purchases at approved merchants.

No hard-to-track points, no gimmicks or games. Just real money.

Get paid 2 days early

We get it. Get your paycheck early! That’s two more days to do more with your money!

Scan QR Code to Download the App

FDIC Insured

Your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 through The Bancorp Bank; Member FDIC.

Virtual Cards

Nervous leaving your card all over the internet? Virtual cards mask your physical card details and feature spending and merchant controls, keeping you in control.

Controls and alerts to keep you secure

Card lost? Don’t worry. Simply “freeze” it in the app.

Spending alerts let you know when your card is used. We can even make them funny. Oxygen is also PCI DSS certified – the strictest standard in the payments industry.

Reject ordinary.
Banking for the Extraordinary.

Life is worth too much not to follow your dreams.

Get Oxygen today

Let's do it! We'll send you a text to download the app