*Oxygen is a financial technology company, not a bank. Banking Services provided by The Bancorp Bank, N.A., Member FDIC.

Get more out ofyour banking*

Meet the mobile banking* platform created for go-getters who need a bank account that has on-the-go money management.

Open your personal account

*Oxygen is a financial technology company, not a bank. Banking Services provided by The Bancorp Bank, N.A., Member FDIC.

Oxygen Elements tiers

Choose the Elements tier that supports your goals

$0

Annual Fee

earth

$49

Annual Fee

water

$99

Annual Fee

air

$299

Annual Fee

fire

Oxygen Heavyweight silver-
foiled PVC Visa debit card

Heavyweight silver- foiled PVC

Oxygen 12G Titanium
Metal Core Visa debit card

12G Titanium Metal Core

Oxygen 16G Premium Stainless
Steel Visa debit card

16G Premium Stainless Steel

Oxygen 16G Mechanically Engraved
Elite Grade Steel Visa debit card

16G Mechanically Engraved Elite Grade Steel

  • 2-Day Early Deposit³

  • 40k No-Fee Allpoint® ATMs⁴

  • 2% Cashback¹

  • 2.10% Annual Percentage Yield⁵

  • Up to 3 virtual cards²

  • Up to 3 savings goals

  • 2-Day Early Deposit³

  • 40k No-Fee Allpoint® ATMs⁴

  • 3% Cashback¹

  • 2.20% Annual Percentage Yield⁶

  • Up to 15 virtual cards²

  • Up to 10 savings goals

  • 2-Day Early Deposit³

  • 40k No-Fee Allpoint® ATMs⁴

  • 4% Cashback¹

  • 2.30% Annual Percentage Yield⁷

  • Unlimited virtual cards²

  • Unlimited savings goals

  • 2-Day Early Deposit³

  • 40k No-Fee Allpoint® ATMs⁴

  • 6% Cashback¹

  • 2.40% Annual Percentage Yield⁸

  • Unlimited virtual cards²

  • Unlimited savings goals

Compare Elements tiers

The smarter way to manage your money

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  • Oxygen customers photographs
    "Can't go wrong with Oxygen. The best deposit account I've ever had… has the best banking app I've ever used…"

    Sleeptron

  • Oxygen customers photographs
    "I do love many of the features of the account and love using it as it is very organized."

    Valero

  • Oxygen customers photographs
    "Oxygen makes it easy to send P2P payments, split a bill with friends, keep track of budgets…even monitor my other banks … all in the same app."

    Jeanette Dowell

  • Oxygen customers photographs
  • Oxygen customers photographs
  • Oxygen customers photographs
  • Oxygen customers photographs
  • Oxygen customers photographs

8,500+

Trusted businesses

4.8

App rating among 50,000+ users

750,000+

Accounts opened

40,000

Fee-free Allpoint ATMs⁴

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extraordinary community

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