What makes this bank offer different
This bank offer is best compared on fee exposure, balance requirements, and how long the account must remain open after payout.
Bank
Live Oak Bank Personal Savings Bonus — Up to $300
Sign up for Live Oak Bank Personal Savings Bonus and earn up to $300 in bonus rewards.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $20,000 | $300 |
Hold Period
90 days
Qualifying Period
Open account and deposit $20,000 by 10/16/26
Payout
Within 45 days of 90-day hold period completion
Requirements
- ✓Open Live Oak Bank personal savings account by 5:00 p.m. ET on 10/16/26
- ✓Deposit at least $20,000 by 5:00 p.m. ET on 10/16/26
- ✓Maintain $20,000 balance for 90 consecutive days
- ✓Funds must originate from external financial institution
- ✓No internal transfers, CD redemptions, or loan proceeds
Restrictions
- ⚠New and existing customers
- ⚠Only personal savings accounts eligible
- ⚠One bonus per Tax Identification Number per promotional period
- ⚠Checking, CD, and fiduciary accounts not eligible
- ⚠Account must not be closed at time of payout
Fees
- $0 monthly maintenance fee
- Promotional amounts may be subject to taxation and reported on IRS Form 1099-MISC
- Bank reserves right to withdraw or withhold bonus if fraud suspected
- Existing customers must maintain existing account balances at or above their end-of-day balance as of January 4, 2026
Offer expires October 15, 2026
Last updated September 8, 2026
Saved source PDFs
Sep 8, 2026
How to evaluate Live Oak Bank Personal Savings Bonus
Before opening this account, compare the bonus against direct deposit rules, monthly fees, minimum balance requirements, and any clawback period after payout.
Qualification checklist
Timing
- Qualifying period
- Open account and deposit $20,000 by 10/16/26
- Payout timeline
- Within 45 days of 90-day hold period completion
- Hold period
- 90 days
How to qualify
- Open Live Oak Bank personal savings account by 5:00 p.m. ET on 10/16/26
- Deposit at least $20,000 by 5:00 p.m. ET on 10/16/26
- Maintain $20,000 balance for 90 consecutive days
- Funds must originate from external financial institution
Common pitfalls
- New and existing customers
- Only personal savings accounts eligible
- One bonus per Tax Identification Number per promotional period
- Checking, CD, and fiduciary accounts not eligible
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $1,500 median, so the requirements and any referral or portal stack matter more.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
When does Live Oak Bank Personal Savings Bonus expire?
Live Oak Bank Personal Savings Bonus expires on October 15, 2026.
How long do I have to qualify for Live Oak Bank Personal Savings Bonus?
The qualifying period listed for Live Oak Bank Personal Savings Bonus is Open account and deposit $20,000 by 10/16/26.
