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Direct deposit setup for personal banking
Direct deposit setup for personal banking

Your guide to depositing money into your Oxygen personal account

Updated over a week ago

Depositing funds into your Oxygen personal account

We offer many convenient options to suit your needs

Option 1: Direct deposit

Setting up direct deposit with your employer or another payment source is easy. Simply follow the steps below, and your funds will be deposited directly into your account on payday.

A. Direct deposit via Pinwheel:

To deposit money into your Oxygen account using Pinwheel, log in to your account and go to “Overview,” then “Add funds” > “Direct deposit.”

Pinwheel is only available for Oxygen personal banking accounts. Pinwheel is not available for business accounts at this time.

Oxygen is a financial technology company. Banking Services provided by The Bancorp Bank, N.A., Member FDIC.

Adding your paycheck to your Oxygen account using Pinwheel for the first time:

  1. Tap the “Find employer” button. You will be directed to use your employer or income provider’s specific payroll login information to set up your direct deposit automatically (Your employer must provide you with this information.).

  2. Choose “Full paycheck” or “Part” based on your preferences.

  3. Edit as needed, and tap “Confirm.”

Once your employer or income provider processes the change, your direct deposit might still take one to two payroll cycles to take effect.

Finding your payroll provider

To search for a payroll provider, use the search bar or choose from the list of popular providers. If your payroll provider is unavailable or you’re having trouble logging in:

  1. Choose the “Manual form” button, and then enter your payroll provider’s name.

  2. Select either “Full paycheck” or “Part,” then tap “Proceed to signature.”

  3. Turn your phone sideways, sign and tap “Confirm.”

  4. Choose “Share or print” to send it to your payroll provider.

B. Direct deposit form:

To deposit money into your Oxygen account using a direct deposit form:

  1. Choose “More” > “Direct deposit.”

  2. Select “Create a new form”

  3. Tap “Add employers name.”

  4. Then, you will choose either “Full paycheck” or “Part”

  5. Finally, choose “Proceed to signature” > “Sign your name,” and tap “Confirm” to complete.

This form can be shared with your employer or income provider to deposit your paycheck into your Oxygen account.

C. Direct deposit via employer portal:

To deposit money into your Oxygen account using an employer portal, you’ll need your routing and account numbers. You can find your routing and account numbers in the Oxygen app by going to “More” > “Account numbers.”

Input your Oxygen routing and account numbers directly into your employer’s payroll software. You should receive the funds in your account at the time of your next paycheck or after your employer processes your request.

Option 2: Mobile check deposit

You can use the Oxygen app to deposit physical checks from anywhere.

Snap a photo of the front and back of the check, follow the prompts, and your funds will be available in no time.

To deposit a check directly using the Oxygen app, choose “More” > “Cash a check\Scan a check.” This will connect you with Ingo’s check deposit feature home page. Follow the prompts by scanning a clear photo of both the front and back of the check you’re depositing, and enter the amount of the check.

You may choose to deposit your check for free at the standard 10 business days, or you may deposit your check within minutes to access those funds immediately for a small fee. The standard fee is 2% of the check amount for payroll and government checks with a pre-printed signature, and 5% for all other accepted checks. The minimum fee is $5 per check.

Option 3: Bank transfer

How to transfer funds into your Oxygen account from an external bank account

Step 1: Accessing the ACH transfer feature

  • Log into your Oxygen app.

  • From the home screen, select the “Add money.”

  • Next, tap "Transfer from another account."

Step 2: Linking your external bank account to your Oxygen account

  • Tap “Link bank account.”

  • Enter your external bank’s login credentials.

  • Agree to Plaid's terms of service, and select your banking institution.

Step 3: Transferring funds

  • Choose an external account to move funds from, or add a new account.

  • Select which Oxygen account to deposit funds into and the amount you want to transfer.

  • Confirm your selections, and finalize by tapping “Submit transfer.”

  • Your transfer will be completed in 3-5 business days.

Option 4: Cash reloads using Green Dot

Visit any of our partner retail locations to deposit cash into your account via Green Dot.

To add money to your Oxygen account using Green Dot cash deposit, please visit a designated Green Dot location and provide your account details.

You must bring cash in the amount you would like to deposit with you, along with your Oxygen Visa® Debit Card. The agent at the Green Dot location will deposit your cash into your account. Please note that you may be asked to enter the PIN number for your Oxygen Visa Debit Card.

Please note: There is a transfer fee per imposed by Green Dot, along with the following limitations:

  • Limit of three deposits per day with a maximum of $1,000 per deposit

  • Deposit limit of $1,000 per day

  • Deposit limit of $10,000 per calendar month

You can deposit cash to your card at thousands of participating locations nationwide including (but not limited to):


ACE Cash Express

Dollar General

Family Dollar




Rite Aid





Option 5: Peer-to-peer payments

Easily send and receive money with friends and family using our Oxygen Friends feature. Split expenses, pay back loans or just share the cost of a meal effortlessly.

To send or receive money using Oxygen Friends:

  1. From the “Overview” section of your account, tap the “Friends” tab and allow Oxygen to access your contacts.

  2. Select the contact from whom you wish to send or request funds.

  3. Tap “$” to request payment or pay the selected contact.

  4. Choose the paperclip to add an attachment and/or type a message in the message box.

  5. Hit the “+” symbol to increase the amount or tap on “Edit amount” to enter a specific amount.

  6. Once your amount is set, hit “Pay” or “Request.”

  7. Review your details and tap “Confirm.”

Option 6: Set up a savings goal

Use our savings goal feature to automatically deposit funds from your main account into a dedicated savings account. It's a hassle-free way to reach your financial targets.

  1. In your account under the “Overview” tab, scroll down to your savings account section and select “Create a new goal.”

  2. Add the name of your goal, the goal amount (optional) and goal deadline (optional), then tap “Continue.”

  3. You’ll get the option to add a cover photo. Choose “Add a cover photo” or “Skip and continue.”

  4. You’ll then be asked if you want to set up any savings goal rules. Tap “Save when you get money” or “Round up spare change” to enable rules, or skip and just tap “Create goal.”

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