Setting up your account
Before you can start making payments, you'll need to create your Oxygen personal account. Follow the easy sign-up process, then verify your account to gain access to all of our great Oxygen features.
Linking another bank account in your name
One way to send funds to and from your Oxygen account is to link an external bank account in your name (It must be your bank account.). Just follow the prompts provided in our “Linking an external bank account” help guide above.
Adding funds to your Oxygen account
You’ll need to have money in your Oxygen account in order to send payments. We offer multiple methods for easily adding funds to your account, including direct deposits, mobile check deposits, or transferring money via ACH from an external bank account in your name.
Sending and receiving money with Oxygen Friends
You can send money to your loved ones instantly or receive payments with ease. Whether it's splitting the bill at dinner, pitching in for a birthday gift or sharing expenses, sending money using Oxygen Friends is hassle-free and convenient. Just enter the recipient's details, the amount, and hit send. You can also request funds from your Oxygen Friends network.
The days of writing checks and standing in long lines are behind us. With Oxygen, you can easily pay your bills online. Simply add the payee information, enter the payment amount, and schedule a payment date. We'll take care of the rest.
To create a free bill payment:
Step 1: Select “Bill pay” under “Overview.”
Step 2: Choose “Add bill” > “Add payee,” and input the biller’s name and address.
Step 3: Tap “Add” > “Make a payment,” and add the amount and frequency of the payment.
Step 4: Select a send date. Then add a note, if desired.
Step 5: You can turn on autopay by toggling the switch and tapping “Confirm.”
Step 6: Once confirmed, your payment will be deducted immediately from your account balance, and a paper check will be mailed to the payee you selected using USPS.
There is no cost to use the bill pay feature. Bill payments started after 10 a.m. EST will be processed by 11 a.m. EST the next business day.
Keep track of all your Oxygen transactions in one place. Our user-friendly interface lets you view and manage your payment history anytime, which makes it easy to stay on top of your finances.
Using virtual cards
For added security and control, use Oxygen virtual cards for online purchases. You can quickly create virtual cards for specific merchants or subscriptions, set spending limits and deactivate your virtual cards at any time.
Your security is our priority. The Oxygen platform is equipped with advanced security measures to protect your sensitive information and transactions such as advanced encryption and fraud monitoring
Exploring cashback rewards
Earn cash back on select purchases with Oxygen's cashback rewards program. Save money while you spend
Getting support when you need it
Whenever you need help or have questions, our dedicated customer support team is here to help. Reach out to us at firstname.lastname@example.org or 866-287-7021 every day from 10 a.m.–6 p.m. EST (except holidays).