Live Oak Bank $300 Savings Bonus (9.5% Effective APY) - 2026 Review
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- Bonus tiers
- $300 for a $20,000+ deposit
- Availability: Nationwide
- No stated lifetime limit
- Monthly fee: $0
- No early-closure rule listed
- Funding window: 38 days
- Maintenance/hold period: 90 days
- Total practical hold: ~100 days
Bonus Tiers & Effective APY
Overview
Live Oak Bank currently offers up to $300 through its savings promotion. The headline tier requires $20,000 and keeps the funds committed for roughly 100 days. That is approximately 5.5% annualized before tax and opportunity-cost adjustments.
Pros
Cons
Notes
Fund the account inside the 38-day window, target the tier you can maintain comfortably, and keep the qualifying balance in place for the full 90-day maintenance period. Avoid moving the money until the reward posts.
How This Compares to Other Bonuses
Live Oak Bank's $300 headline payout is closest to Grasshopper Bank Business's $300 offer. Compare the required capital, holding time, account fees, and base interest, not only the bonus.
Frequently Asked Questions
What is the current Live Oak Bank promotion?
Live Oak Bank currently offers up to $300. The headline requirement is $20,000 deposit held for about 90 days.
How much money is required for the Live Oak Bank bonus?
The highest advertised payout currently requires $20,000. Lower tiers may require less; review the tier table on this page.
How long is the money committed?
Plan on approximately 100 days including funding, maintenance, settlement, and a practical payout buffer.
Eligibility
Must be at least 18 years of age and U.S. citizen or permanent resident. New and existing customers eligible. One bonus per Tax ID per promotional period. Existing customers must maintain existing account balances at or above baseline across existing personal savings accounts. Account must be opened and funded by 10/16/26.
Fees
Apply
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Sources (2)
We last checked this against the bank's page on September 11, 2026.
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Stacks OS also tells you which bonus to do next for YOUR paycheck.
What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.