Personal – Oxygen

Let’s raise you up

You’re going your own way and seizing opportunities. You need a bank account that understands that. Maximize your potential with flexible banking and credit in your back pocket.

You’re working it

We’re here for the free spirits working hard and traveling light – through early mornings and late payments. Our team respects driven individuals and finds creative ways to help.

GET THE APP

Zero monthly fees to weigh you down

NO MONTHLY FEES
NO OVERDRAFT FEES
NO MINIMUM BALANCE FEES
NO ACH BANK TRANSFER FEES

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.

Immediate credit^† to get you going

Freelancers haven’t had an easy time getting credit. Until now. With no full-time job necessary, it’s a cooler approach to credit. Apply 24/7.

Flag expenses to record and classify

Pay home-office rent, car insurance, gas or a client lunch. Flag an expense, take a photo of the receipt and it’s sorted.

Secure & FDIC Insured

Oxygen is PCI DSS certified, the highest security standard in banking.

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

Share the love, refer a friend‡

Help out a friend, let them know about Oxygen. For every qualified referral, Oxygen sends you each $25 to get you started.

Please see Refer a Friend Terms and Conditions

Cash in and out, anytime

Want to load cash? Walk into Walmart, CVS, Walgreens and more GreenDot® locations to load cash into your account. _{Retail service fee applies.}

Virtual Cards

Create single-use cards or merchant locked cards that mask your physical card details. Oxygen puts you in full control.

Controls and alerts to keep you secure

Card lost? Don’t worry. Lock or unlock it by tapping the app.

We also keep you secure by giving you alerts about unusual activity. Stay safe with the highest level of security and insurance. Oxygen is PCI DSS certified – the strictest global standard in the payment industry.