Live Oak Bank Personal Savings $300 Bonus

1. 1

   Open an account

   Open a new Live Oak Bank personal savings account between September 8, 2026 and October 16, 2026.

2. 2

   Deposit $20,000

   Fund the account with at least $20,000 in new-to-bank money from an external financial institution by 5:00 p.m. ET on October 16, 2026. Internal transfers, CD redemptions, and loan proceeds do not qualify.

3. 3

   Maintain $20,000 for 90 days

   Maintain a balance of at least $20,000 for 90 consecutive days beginning the day the account first reaches that balance.

The $300 bonus is deposited within 45 days after the 90-day balance-maintenance period ends.

Account Details

Eligibility

Tips & Gotchas

• →Only one bonus per Tax Identification Number per promotional period.
• →Only personal savings accounts qualify; checking, CD, and fiduciary accounts do not.
• →Existing Live Oak customers can also qualify but must additionally maintain their existing combined savings balance at or above the 9/7/2026 level.
• →This is a distinct, higher-value cycle than the earlier $200/60-day Live Oak savings bonus, which expired without renewal in March 2026 (see Offer History).

Community Data Points

Can You Earn This Bonus Again?

Fine Print

New and Existing Customers: the promotion begins September 8, 2026. Only one bonus is available per Tax Identification Number (TIN) per promotional period. Only personal savings accounts are eligible. A new account must be opened between September 8, 2026 and October 16, 2026 to be eligible, and must be fully funded with at least $20,000 by 5:00 p.m. ET on October 16, 2026. All funding must originate from an external financial institution. Beginning on the date the new account attains a balance of at least $20,000, if the balance remains at or above $20,000 for 90 consecutive days, the account is eligible for the bonus if all other conditions are met. The $300 cash bonus is deposited within 45 days following the expiration of the 90-day period. The account must not be closed or restricted at the time of payout. Existing customers must additionally maintain their combined end-of-day Live Oak Personal Savings balance at or above the level held as of September 7, 2026 at 11:59:59 p.m. ET, and must deposit a minimum of $20,000 in new-to-bank funds into the new account. Live Oak Bank reserves the right to modify or discontinue this offer at any time without notice.

Taxable income · Reported on 1099-INT

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