OxygenReviews of oxygen.us

The layout and interface on the Oxygen app is sleek and easy to navigate.

Oxygen is extremely high performance banking app. I’m happy with the quality and functionality of the banking app and I highly recommend the Oxygen banking app for an excellent experience with no fees!

Great overall experience

I have seen so many negative comments about this virtual bank, and though my customer service experience hasn't always been amazing. Yesterdays experience was amazing, and I must give credit where credit is due. I live and work abroad, but like most of us who earn US dollars, we like to keep that money in dollars. Sometimes this causes problems regarding automated security and fraud alerts.... I went to go and purchase a motorcycle, i had a large deposit into my account the night before, and I knew the purchase limits for signature purchases and pin purchases. So I decided to break my purchase into 2 large payments. I had never previously made such a large purchase before and I suppose that set off the fraud alert system due to the amount of incoming, and the amount of outgoing and the location I was doing it. On my way to purchase items after the first payment on my motorcycle, I received an email informing me that my account was blocked due to a breach in the deposit agreement (the small print we all agree to when opening the account). The exact issue provided was that the deposits were made, but the beneficiary name was incorrect and therefore a potential risk. I panicked. I rushed home only to sit on the phone for 30 min, and to have the systems hangup on me after informing me there were no more representatives. Panicking again. So i went to my app and pulled up the details of all my deposits to confirm in fact they were addressed to me as the beneficiary. I then got the screenshots from my mother who sent me the money to confirm she had addressed the beneficiary correctly, which she did as she has me saved as a permanent recipient... I wrote a polite yet urgent email and explaining how there must have been a system error, and sent the screenshots. 1 hour later I received an email informing me my account was active and an apology for any inconvenience. I did not have to fight with anyone, or call for days, or demand to speak to an escalated representative. I want to thank the rep who reviewed my issue, Eric, as he understood completely and made my experience hassle free.

I received incorrect 1099-INT on Feb, and contacted them every week trying to correct it, every time they just say escalated to higher department, and their phone customer support never connected, email support is use less, and next week is the deadline of tax return and I’m still not receiving the new 1099, this is ridiculous 🤬

Just like others are saying, I had an active account for months and 2 days ago they randomly closed it without notifying me. Customer service can't tell you why, all they can do is process a check for your account balance which will take up to 14 business days. I got an email today that said "my account was closed due to a lack of proper identity verification". It's obviously an issue on their end but why they would jettison a customer instead of telling me what they need to get it fixed is sketchy. This is a shame because prior to this I really liked this bank and was planning to eventually make it my main bank. I even recommended them to family & friends. Now I just look foolish having to warn them away.

If you like banks that close your account with no notification and say they can’t tell you why the account was closed, then this is the bank for you.

I opened an account a few months ago everything was great. Then about 2 days ago they closed my account with no notification. I had to call them to figure out what was going on. They won't tell me why the account was closed or how I would go about reopening it. My only option is to take a check for my account balance. I thought I would try the bank due to the great perks it offers. Don't trust them. This is a common issue and they will not help you.