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. View all agreements
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. Limitations apply on maximum dollar amounts earned. In order to receive Cashback rewards for Earth you must spend $350.00 during a rolling 30 day period. Please refer to Total Rewards Terms & Conditions for more details.
3. Savings APY varies by Element. Variable annual fees. 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. 2.10% APY applies to Earth Element. APY current as of 9/05/2023. Please refer to Oxygen-Bancorp Savings Agreement for details.
6. 2.20% APY applies to Water Element. APY current as of 9/05/2023. Annual fee applies, fees may reduce earnings. No minimum balance to open the account required. Please refer to Oxygen-Bancorp Savings Agreement for details.
7. 2.30% APY applies to Air Element. APY current as of 9/05/2023. Annual fee applies, fees may reduce earnings. No minimum balance to open the account required. Please refer to Oxygen-Bancorp Savings Agreement for details.
8. 2.40% APY applies to Fire Element. APY current as of 9/05/2023. Annual fee applies, fees may reduce earnings. No minimum balance to open the account required. Please refer to Oxygen-Bancorp Savings Agreement for details.
9. Based on the average Savings APY at fdic.gov.
10. LLC formation is powered by CorNet. 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.
12. 1.00% 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.
13. PriorityPass available on Air and Fire Elements. Benefits and annual fees vary by Element.
14. Out-of-Network and International fees apply. Third party fees may apply.
15. For full details on Retail and Travel benefits please refer to your Cardholder Guide to Benefits.
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