Live Oak Bank

Live Oak Bank Personal Savings

This bank doesn't currently have an active bonus. Here's its offer history.

$200Mar 12, 2026 – Mar 31, 2026Expired

Direct Deposit Data Points 0

Community-reported results for what triggers a qualifying direct deposit at Live Oak Bank.

6 total

No data points match the selected filters.

Monthly feeNo monthly fee

APY3.8%

Fund the account with at least $20,000 by 03/31/2026 and maintain that balance for 60 days.

ChexSystemsNo. Banking history is not checked for this account.

AvailabilityNationwide

Minimum age18+

Existing customersNot eligible

New Live Oak personal savings customers only.

Can rechurnNo

NotesLimit of one bonus per customer.

What is a high-yield savings account (HYSA)?

A savings account that pays a significantly higher interest rate than a standard savings account.

What is a hold period?

The minimum time you must keep your balance in an account before the bonus is paid out.

What is an early termination fee?

A penalty charged if you close a bank account too soon after opening it.