If you’re looking for new savings account available nationwide, Live Oak Bank Savings Account is offering you 4.00% APY on your funds + $300 bonus.
Update 9/8/26: The rate has increased to 4.00% APY from 3.90%. You can currently earn a competitive rate on your funds along with a $300 bonus after meeting the requirements.
Live Oak Bank $300 Savings Bonus
Earn a $300 bonus* when completing the qualifying activities along with a competitive rate.
The perks of saving:
- Competitive APY: Earn a top-tier APY that is consistently higher than the national average.
- No Hidden Fees or Minimum to Open: Keep more of what you earn with no monthly maintenance fees and earn our high-yield APY with as little as a $0.01 deposit.
- Built-In Security: Two-factor authentication and real-time fraud monitoring work behind the scenes, while FDIC insurance protects your deposits up to $250,000 per depositor.
- Dedicated U.S.-Based Support: Get help from real, U.S.-based representatives. Live Oak proudly resolves over 90% of issues on the first call.
How to earn bonus:
- Open a New Account. Open a Live Oak Bank personal savings account by 5:00 p.m. ET on 10/16/26.
- Fund Your Account. Deposit at least $20,000 into your account by 5:00 p.m. ET on 10/16/26.
- Maintain Your Balance. Maintain a balance of at least $20,000 for 90 days.
- If all eligibility criteria are met, the $300 cash bonus will be deposited to your open, eligible account within 45 days following the expiration of the 90-day period.
- All funding of the new personal savings account must consist of funds originating from an external financial institution to qualify. Deposits or transfers originating from an existing Live Oak Bank account (whether personal or business) via internal transfer, CD redemption, check, ACH transfer, wire, or loan proceeds do not qualify for bonus offer.
(FDIC Insured)
About Live Oak Bank
Live Oak Bank, was founded in 2008 and offers savings rates that are many times the national average, and they boast an A+ health rating.
This FDIC-insured savings account makes it easier to grow your money with a great interest rate and simple online banking
Live Oak Bank Savings Account
Here is your opportunity to earn a high interest rate on your funds. Open a new account to start earning interest and get started today!
- Account Type: Savings Account
- Interest Rate: 4.00% APY
- Availability: Nationwide
- Minimum Balance to Earn Interest: $0.01
- Maximum Balance: None
- Credit Funding: Unknown
- Opening Deposit: None
- Monthly Maintenance Fee: None
- Early Termination Fee: None listed
(FDIC Insured)
| PROMOTION LINK | OFFER | OFFER |
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| Live Oak Bank Savings | 4.00% APY + $300 Bonus | Review |
| Centier Bank High Yield Savings | 3.85% APY + $1000 Bonus | Review |
| Western Alliance Bank High-Yield Savings | 3.80% APY + $1000 Bonus | Review |
| Quontic Bank High Yield Savings | 3.50% APY | Review |
| Robinhood Gold | 3.25% APY | Review |
| Betterment Cash Reserve | 3.25% APY | Review |
| Upgrade Premier Savings | 3.05% APY | Review |
Live Oak Bank ACH Capabilities & Limits
| ACH Type | Speed | Daily $ Limit | Monthly $ Limit | Notes |
| Push | ? | $250,000 | ? | |
| Pull | ? | $250,000 | ? |
Account Rates
| Balance | APY |
| $0.01+ | 4.00% APY |
Account Benefits
- Opening an account is simple and quick online
- No hidden fees or monthly requirements to maintain
- Online and mobile banking for on the go access 24/7
- FDIC insurance up to the maximum of $250,000 allowed by law
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Author’s Verdict
In addition to the current rate from Live Oak Bank, you can also take advantage of a range of great promotions from banks such as U.S. Bank, Chase Bank, Huntington Bank, TD Bank, Fifth Third Bank, or CIT Bank.
Let us know about your thoughts and experience with this account! Be sure to check back on BankDealGuy for more bank rates!
See our favorite Bank Rates to earn high interest!
*Click here for full terms and conditions.
