If you’re running a business you’ll regret using this app.
I should have known opening a business account with an app only banking service that there would be issues. My first couple months using the app wasn’t so bad. Then came the time where I needed to cash a physical check… Oxygen uses a third party service to cash checks called ingo. When I first tried using this feature the camera would not properly launch within the app. I tried everything and nothing could work. I called Oxygen customer service and their response was that this falls on ingo… who said that this falls on Oxygen because it’s their app. I don’t really care whose fault it is but you can’t run a business (big or small) through a bank that has NO WAY for you to cash physical checks. This is only my most recent issue. Another time the app crashed for 24 hours and I couldn’t run patrol because I didn’t know if certain funds had hit my account. Anyways, I’ll be moving on from Oxygen and I won’t be looking back. If you’re desperate Oxygen is an okay last minute bank to hold you off until you can go get a real bank account somewhere more legitimate.
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Response from developer
@ThisGuyThatEats - We are so sorry to hear about the issue you are having and would like to look into this further. Unfortunately, we can’t pull up your information through the app store. Please contact us at support@oxygen.us and we will have a senior associate help you. Please include in that email - your full name, email address and app store alias.
Not what it used to be.
When I first opened an account 3ish years ago it was great. Crazy good cash back, atm fee refunds etc. But slowly over time they’ve reduced benefits more and more. Out of network atm fees are $3 on top of the fee of the atm you’re using, meaning $6+ dollars. I could be mistaken but I don’t remember this being the case when I first opened the account. I was hoping they would give me a onetime refund of $3 after being a customer for 3-4 years but they declined, fair enough it was my fault for not knowing but most “online” banks have atm refund allowances even if it’s once a month considering they don’t actually have any brick and mortar banks. That being said, their network is very large, it’s just the issue of bait and switch. It used come with unreal benefits, so I’m not surprised they had to change, but I can’t help but feel that was their plan. Draw people in, then slowly become like every other bank. They do still have $1 back on any fast food purchases over $3 which is awesome at 33% cash back (for small purchases) Regardless they still stack up to other average banks and then some, additionally I love the virtual card features. But I can’t recommended them endlessly to friends like I used to because I’m not sure what else will eventually change.
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Response from developer
Hello, glad that you are loving our virtual card features. Sorry to hear about your experience Oxygen has always partnered with Allpoint ATMs where you can withdraw cash without incurring fees at any Allpoint ATM location. Locate an ATM near you by going to More\Free ATMs nearby in the Oxygen app. Additionally, Allpoint ATMs are located in the most popular retail stores such as Target, Speedway, CVS, Kroger, Walgreens, Safeway, Circle K, and many more! In fact, Allpoint has over 55,000 participating ATMs which makes it safe, easy, and convenient to withdraw funds. When you use your Oxygen Visa Debit Card at an ATM that is out-of-network, the provider charges you an additional fee. We are continuously working on adding more features to make your experience better. Please reach out to Customer Support for any questions or concerns at 866-287-7021 from 10am-6pm EST Monday through Sunday, except on holidays. You can also reach out to support@oxygen.us and our team will follow up. We are here to help you and we appreciate you.
Run.
I’ve had oxygen Bank for a while now. I started off loving it. The cash back was amazing,l and being able to get support within the app using the chat service was great. Fast forward to December 18th 2022 I misplace my debit card. I didn’t not receive a card until the end of February 2023. I have a personal and business account with Oxygen. Someone my business card in March of 2023 and I reported it instantly. Not only did the agent not order a new card, but they didn’t deactivate the stolen card. They then come back and tell me that there was no error with my card and they are defining my fraudulent transaction claim. Mind you the police report details who card, the name of the person and they also have the individual on camera committing fraud and yet they denied my claim. So not only did they let someone get away with stealing my money they refused to provide me with the evidence they claim to have showing them the transactions were valid. They refused to look into the claim with any type of determination. You call and wait on hold for hours just to get a voicemail stating no is available to take your call. When you do finally get someone they hang the phone calls up and didn’t call back.
Stay FAR AWAY.
Stay FAR AWAY.
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Response from developer
Hello, we're sorry to hear about your experience. Our team would be glad to investigate what happened. Please reach out to Customer Support at 866-287-7021 from 10am-6pm EST Monday through Sunday. You can also reach out to support@oxygen.us and our team will follow up.
So far, not impressed.
I am writing this in hopes of getting a response from the developer. I am STILL waiting for my physical card. This is an issue that has been going on for almost a month now. The first time I sent off for it, I gave them the benefit of the doubt that it was lost in the mail. The second time however I called. And when I call, I keep getting to the point where it says I am the next person in line and then nothing. I have waited for an hour today and still no answer. I would try the text chat option, but it tells you on the app that you can do that but doesn’t give you a place to do that. So I figured I would try the avenue. I do like the app and was able to pay some of my bills using a temporary card. Which was convenient. But there are some things I have to do with a physical card. Please developers, respond to this. I will gladly retract everything I am saying here and give a glowing review. Because for the most part, the app is great. But I would really like my card please. Thank you.
This is an update: I still have not received my card and was hung up on by “customer service” today. I use sarcastic quotation marks because they are of little service. My advice? Bank elsewhere.
This is an update: I still have not received my card and was hung up on by “customer service” today. I use sarcastic quotation marks because they are of little service. My advice? Bank elsewhere.
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Response from developer
Sorry to hear about your experience, Sogltaker. We assure you that your feedback is taken very seriously. Customer Support faced an overwhelming more than usual volume recently which led to the long wait times on the queues. The debit card shipping incurred some delays in the past month. However, this issue should be resolved now and you should receive your card anytime now if you haven't received it already. We would love to look into any pending concerns or issues if you have them. Please email us at support@oxygen.us, and one of our tenured specialists will gladly assist.
Zero customer service
If you want to pay money for a premium account, and then receive zero customer service this is your bank. They not only did nothing about my fraud, and still refuse to. This was after waiting five hours on hold over three days and it said I was next in line to talk to somebody the whole time. They also had two people hang up on me. Then it took three months to get a new debit card and i was told to deal with it, and that they wouldn’t help me with the fraud because I didn’t report it in time. Even though I had reported it three months previous when my card was stolen. I lost 300 to fraud and paid 200 for their account. 500 wasted but they gave me 25$ because they never sent me a water bottle that was promised (a bottle that costs more than 25$). Horrible. Horrible. Horrible.
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Positive experience…
Since joining oxygen, I have had a positive experience. My card has come on time and I’ve been able to reach customer service. I do like the cash back offers. I wish there were more stores to earn cash back.
A plus would be to not have to go into the app each time to activate the cash back.
Also, a little annoying feature is if you close the app for a second you have to sign back in each time. It’s probably for security but it’s still annoying.
My transfers and payments go out on time and I’m starting to build more and with oxygen.
A plus would be to not have to go into the app each time to activate the cash back.
Also, a little annoying feature is if you close the app for a second you have to sign back in each time. It’s probably for security but it’s still annoying.
My transfers and payments go out on time and I’m starting to build more and with oxygen.
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Meditation with relief
I was one day surfing for a new banking app not to thrilled about the grueling process of signing up. And I must add that I’ve had some trouble with my funds being transferred without my authorization. Not sure why or how but with a satisfactory result they the oxygen dispute team saved my day from being a fault to being a success. I was Leary of this we’ll give you five , ten dollar sign on bonuses. Just for sign up which is rare considering todays opportunistic platform Gypsies no disrespect. Oxygen I have to add has given me a feel of sercurity and reassurance from their level of commitment for it patrons they even helped me with a whole nother platform. There a great bunch and I tip my hat and exhale with a smile from satisfying my home kids and wife . I can’t complain and I want but if you need a structure financial help take deep breath nd there you will find the essence of life…oxygen
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To many issues trying to upload info you require!!
I have a iPhone and I have been trying to upload my ID pictures, that you require, after applying etc. At first, your app kept showing me a message saying that it wasn’t able to access my camera.(12 tries) I exited the app, closed it completely and then reopened it. Now, I hit the button to go to my camera and take the pictures, and it just goes to a completely blank white screen. I made sure to hit ALLOW when it asked for permission, to use my camera, so it’s not that. I can’t even get into my account, to try to access any help features, let alone find a phone number to call for assistance! I’ve been messing with this half the day now. I’m going to see if there’s another company that I can open up an account with. This company’s advertisements sound promising & I had high hopes for this company but unfortunately they’ve just fell short. 😒
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Banking fine, have to open app twice
This is for the app itself. But notes about the banking experience: Thus far banking has been fine and the multiple card options is great for security. Cash back program is good. You just have to keep on top of it since each cash back offer is daily and only one at a time. Usually early $30-40 per month. Customer service hours are limited. When I dealt with customer service chat I had about a 20 minute wait and they corrected the issue in about ten minutes.
Now to the app. I have to open the app at least twice to get my account to load. This is annoying. Every time I open the app and clear FaceID it just keeps “spinning” and never loads. I force close and reopen and it usually works. Occasionally, transactions are reflected in your balance but won’t be in the ledger for a few hours or more. And the app design is meant to be “cool” but I’m guessing I’m getting old as I don’t love the modern fonts.
Now to the app. I have to open the app at least twice to get my account to load. This is annoying. Every time I open the app and clear FaceID it just keeps “spinning” and never loads. I force close and reopen and it usually works. Occasionally, transactions are reflected in your balance but won’t be in the ledger for a few hours or more. And the app design is meant to be “cool” but I’m guessing I’m getting old as I don’t love the modern fonts.
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Response from developer
Hello, sorry for the delay and for the trouble you are/were experiencing with our app. Sometimes, uninstalling and installing the App would do the trick. For further assistance, please email us at support@oxygen.us or call Customer Support at 866-287-7021 from 10am-6pm EST Monday through Sunday. Thanks for your feedback. We are continuously working on adding more features/products to make your experience better.
Have had ZERO problems!
I’ve had multiple online banking accounts and nothing compares to the standards upheld by Oxygen. It’s even better than Wells Fargo in some ways. I came here to leave a good review and was astonished to see so many people disappointed. I will say, I haven’t had a reason to contact customer service via phone yet. However, I did have a chat with them online and things were resolved rather quickly. I appreciate the upgrades to the newer cards and their capabilities along with the benefits of having them. The benefits are amazing. I also take full advantage of their savings account which allows me to set a goal that is super helpful. I do hope that they are able to acknowledge everyone’s concern. Customer service and consumer acknowledgment is equally as important to me as the benefits of banking with Oxygen. If the customer service is poor, the quality of the service provided might as well be also.
Update: there’s been too many times I was unable to access my own money. And it’s usually because their system is down. If you have big money transactions, this card is probably not for you. It won’t allow you to pull out over $2500 and there’s nothing they can do to increase that. It no longer has the option to see free ATM’s, their customer support is not the worst but it isn’t the best either. If their system shuts down and you don’t have money stored anywhere else, GOOD LUCK. Hopefully you’re not stuck traveling.
Update: there’s been too many times I was unable to access my own money. And it’s usually because their system is down. If you have big money transactions, this card is probably not for you. It won’t allow you to pull out over $2500 and there’s nothing they can do to increase that. It no longer has the option to see free ATM’s, their customer support is not the worst but it isn’t the best either. If their system shuts down and you don’t have money stored anywhere else, GOOD LUCK. Hopefully you’re not stuck traveling.
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Response from developer
Hello, we're sorry to hear about your experience. We are always working hard to improve and thanks for your feedback. Please refer to this help article to locate Allpoint ATMs. https://oxygen.us/help/kb002-does-oxygen-have-a-fee-free-atm-network/
A fun spin on online banking.
I’ve been using Oxygen for upwards of a year now and it’s been fantastic. There is a whole slew of tools to help manage your finances, like rounding out change to your savings after purchases, to simple things like having part of your paycheck deposited into your account automatically.
The branding is very unique, with four stages of ‘Elements’ (like an upgrade to your bank account/debit card) each having very generous benefits such as cashback and reimbursements for things like Netflix and Peloton.
There are just so many things here that make managing my finances more convenient in ways I didn’t know about.
Not to mention they genuinely seem to care about their customers. They send you cool goodies like bags and high quality notebooks just for banking with them over time.
Overall it’s a breath of fresh air compared to the seemingly uninspired and bland status-quo that other big banks stick to. Definitely rexcomend.
The branding is very unique, with four stages of ‘Elements’ (like an upgrade to your bank account/debit card) each having very generous benefits such as cashback and reimbursements for things like Netflix and Peloton.
There are just so many things here that make managing my finances more convenient in ways I didn’t know about.
Not to mention they genuinely seem to care about their customers. They send you cool goodies like bags and high quality notebooks just for banking with them over time.
Overall it’s a breath of fresh air compared to the seemingly uninspired and bland status-quo that other big banks stick to. Definitely rexcomend.
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Don’t trust them about the referral bonus!!
I referred my fiancé because I thought this was a good bank. We are to receive $100 after they have a $500 or more deposit hit their account, and they make 5 purchases. He did all the required steps, and we received nothing. I contacted customer service, and she first tried to tell me that I never referred anyone!!! I’m sorry but- if I got the initial $10 for referring him and so do he- please explain how that is possible. She looked more into it, and manually had to add it. She explained within 10 business days we would receive the funds. Well look it here, it’s past the 10 business days and NOTHING!!!! I talked to customer service again, and she tells me it hasn’t been 10 business days. Ma’am, it’s been 11!!!! She then told ME to contact the lady who did the manual referral so she can’t fix it. Are you kidding me???? How would that even be possible!!!!! So basically my fiancé and I are screwed out of the $100! I told him to immediately change his direct deposits if they can lie about this, they can do anything!!! I don’t want people like this in control of our money.
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Response from developer
Hello, we're sorry to hear about your experience. Our team would be glad to investigate what happened. Please reach out to Customer Support at 866-287-7021 from 10am-6pm EST Monday through Sunday. You can also reach out to support@oxygen.us and our team will follow up.
Absolutely Awful!
Have had this bank account for YEARS & in the beginning it worked great; However, as of lately have been unable to even open the app. It will close itself as soon as I attempt to open it. I’ve uninstalled and reinstalled and called customer support which ofcourse is next to impossible to get ahold of . Also a few months back I had an un authorized transaction for services never rendered for like 79$ and they had it under review for months and finally denied my claim even though I had proof from the merchant and my location and multiple other verification methods that I couldn’t have possibly been at the location of the transaction yet they kept my money and wouldn’t explain to me how or why they kept it . The merchant released my funds back to the bank upon receiving the charge back but oxygen magically kept my money and wouldn’t give me an explanation at all they seized all communication and I think they r extremely unprofessional and don’t waste your money with this sorry excuse of a financial institution
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Perfect
Honestly this is the best bank card online that I’ve used I’ve had it for along time now it’s my main bank card I’ve never had any issues with anything if I had a slight problem logging in or a transaction was wrong or anything I’ve been helped happily and efficiantly..I will continue using oxygen I’ve not had any issues , knock on wood lol….thank you oxygen u know I do have one issue but I believe it’s through into money they jus simply don’t like me lol maybe you guys can make a metal debit card for loyal customers or maybe loyalty programs can exist to create more revenue for oxygen . Anyways thanks again u get 5 stars from me
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Unexpectedly impressed
I downloaded a handful of online banking apps because I needed a routing number and account number In Order to receive three dollars cash I had required In rewards points from participating in the door dash food delivery employment opportunity and except for oxygen all the other apps I downloaded ended up being unable to be recognized as legit banking or required subscriptions or some other kind of unsolicited nonsense in order to use them I had hit all brick walls so when oxygen not only provided exactly what I needed in an easy to understand and enjoyable manner I was over the moon excited but I wasent planning on actually using oxygen more then for just acquiring my reward money until I was unexpectedly surprised by not only the beautiful astatic it had but the countless offers it had in requires to saving money cash backs and perks. I decided to make oxygen my primary bank and I’m so happy I have. I encourage everyone to check this online bank out and just explore all the exciting things it can offer.
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Response from developer
Hi, thank you very much for your feedback. Appreciate it!
Great Bank, Janky App
I love my Oxygen Account & it’s benefits… when I can get the app open. Some days it’s fine. Others I have to open and close the app 5 times to get my account data to load! On a couple of occasions I’ve spent upwards of 25 minutes trying to get my data to load. I can open the app, I can sign in, but then it just sits thinking and never fully loads my balance and transaction history. I can’t do deposits or anything. It’s infuriating when I am standing in a line and need to check my balance or switch awards quickly. Its gotten to the point that I utilize other accounts instead of Oxygen so I don’t have to risk not being able to see the info I need. If the app was more stable & loaded properly I’d use the account more & Oxygen would get 5 stars from me.
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RUN AWAY!!!
I’ve never been more upset. These jokers “upgraded” my card and in doing so gave me the SAME card number with a different expiration date and unbeknownst to me, cancelled the card I had. I didn’t ask for any of this. I went to transfer my paycheck from CashAPP into my oxygen acct today and instead of declining like a normal deactivated card (again I didn’t know it was deactivated) oxygen ACCEPTED the payment and THEN declined it. Completing the payment on CashAPP and leaving it in a rejected pending status. Now they are saying it will randomly appear back in my cash app in 3 TO 5 BUSINESS DAYS! It is a holiday weekend and this is my PAYCHECK! My kids can’t eat, we can’t go anywhere. I have zero dollars because this bank doesn’t understand how to be a bank. Customer service is impossible to understand and absolutely worthless. I’m telling everyone I can DO NOT USE THIS BANK!
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Bad banking
I beg anyone doing real business please do not open an account here! I opened a business account with oxygen last year and deposited a large amount of money. Then tried to purchase a vehicle to only find out I could only make a purchase up to 5k a day. I had to make multiple transfers to a separate account in order to make the transaction. Last week I received a check in the mail from my insurance company in my business name only to find out they won’t let me deposit it in my business account because it’s in my business name. How is that possible when they sent the money to the insurance company in my business name. So I call and wait over 45 minutes got disconnected called back was prompted to get a call back. After waiting an hour for the call back I decided to call back. After waiting another 30 minutes I was told my account was closed and would receive a email within 24 hours. Please don’t trust them with your business.
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My Primary Bank!
I can 100% say that this is by far my favorite bank! My paycheck comes early, I get cash back easily and only need to accrue $10 cash back to cash out; when I do so, I can use the money immediately! I recently got a free upgrade to the “Water” element, which means a cooler debit card, more cash back, and other cool perks. It is compatible with Plaid, which I need in a bank. Also, if I need help from Customer Service, you can actually call and speak with a human being, which is more than can be said for most online-only banks! I probably have an account with every free online bank possible, but Oxygen is my main one, where my paycheck is deposited and my bills are paid from. I literally have no complaints whatsoever about Oxygen! Looking forward to trying a business account for my LLC! Thanks Oxygen team!
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Response from developer
@m@nd€€ - WOW!!! Thanks for the awesome review, so glad you are an Oxygen customer! 😎
Don’t do it
I’ve had this bank for over a year. I loved it at first. I BOUGHT an upgrade on my card to get better cash back advantages. I got the new card in the mail and activated it. Somehow there was a glitch in the system and my new card doesn’t work. Also I can no longer use my card digitally. I have to buy gift cards to use a card online anywhere. I called to get this fixed. They said I have to freeze my acct and wait for a new card. Unless of course I want to pay $199 to upgrade again to the next card. I have multiple bills that come out of my acct monthly. And multiple direct deposits. It’s not feasible for me to freeze my acct. I shouldn’t be penalized for their mishap. So I have to pull out all of my money $500 a day until my acct is clear to get another acct elsewhere. When I called to see if I could bypass this they were too busy talking to other employees in the background to actually help in any way. If they could send me a new card before without freezing my acct they could certainly do it again.
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