Live Oak Bank Promotions: $200, $300 Savings, Business Savings Bonus (Nationwide) – Ends 1/31/25

• Open a New Account. Open a Live Oak Bank personal savings account by 01/13/25.
• Fund Your Account. Deposit at least $20,000 into your account by 01/13/25.
• Maintain Your Balance. Maintain a balance of at least $20,000 for 60 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 60-day period.
• All funding of the new business savings account must consist of funds originating from an external financial institution to qualify

• Keep More of Your Money. Benefit from no monthly maintenance fees, and watch your money grow faster with a competitive savings rate.
• Peace of Mind. Your deposits are FDIC-insured3 up to the maximum allowed by law, ensuring your money is safe and secure.
• Personalized Service, Online Convenience. Open and manage your account online. Need help? Our North-Carolina-based team is just a call away.
• You Can Start Small. There are no minimum balance requirements, so you can start growing your savings no matter how small your initial deposit.
• Plan for the Future. Easily manage beneficiaries online to ensure your savings are passed on according to your wishes.

• Only one bonus is available per person.
• Only personal savings accounts are eligible for the bonus offer. Checking accounts, CD accounts and fiduciary accounts (e.g., trusts) are not eligible for this offer.
• Opening of a new account will be subject to approval by Live Oak Banking Company in its sole discretion.
• A new Live Oak Bank personal savings account must be fully funded with at least $20,000 by 11:59 p.m. Eastern Time on 10/31/2024 to be eligible for the bonus. If the account is not fully funded by October 31st, then the account is not eligible for the bonus offer.
• 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.
• Beginning on the date in October 2024 that the new account attains a balance of at least $20,000, if the balance remains equal to or exceeding $20,000 for 90 consecutive days, then the account will be eligible for the bonus if all other conditions are met. If all eligibility criteria are met, the $200 cash bonus will be deposited to your open, eligible account within 45 days following the expiration of the 90-day period.
• Your new account must not be closed or restricted at the time of payout in order to receive the bonus. Live Oak Bank reserves the right to withdraw or withhold the bonus offer from any customer, with or without notice, if fraud or other suspicious activity is suspected.
• Live Oak Bank employees do not qualify.
• Any promotional amounts received may be subject to taxation.

• Open a Live Oak Bank business savings account by 01/13/25.
• Fund Your Account. Deposit at least $20,000 into your account by 01/13/25.
• Maintain Your Balance. Maintain a balance of at least $20,000 for 60 days.
• If all eligibility criteria are met, the $200 cash bonus will be deposited to your open, eligible account within 45 days following the expiration of the 60-day period
• All funding of the new business savings account must consist of funds originating from an external financial institution to qualify.

Big banks offer high fees and low interest rates. Enjoy a better way to save for your business. High-yield interest. No monthly maintenance fees. No minimum balance requirements.

• No online banking or monthly maintenance fees
• No minimum balance requirements
• Open account online in minutes
• Human-powered support
• Available to businesses nationwide
• FDIC insured up to $250,000

• Only one bonus is available per legal entity.
• Only business savings accounts are eligible for the bonus offer. Checking accounts, personal (consumer) accounts, CD accounts and fiduciary accounts (e.g., trusts) are not eligible for this offer.
• Opening of a new account will be subject to approval by Live Oak Banking Company in its sole discretion.
• A new Live Oak Bank business savings account must be fully funded with at least $30,000 by 11:59 p.m. Eastern Time on 10/31/2024 to be eligible for the bonus. If the account is not fully funded by October 31st, then the account is not eligible for the bonus offer.
• All funding of the new business 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.
• Beginning on the date in October 2024 that the new account attains a balance of at least $30,000, if the balance remains equal to or exceeding $30,000 for 90 consecutive days, then the account will be eligible for the bonus if all other conditions are met. Please note, however, that use of Bank’s ICS Sweeps Service may cause the account balance to drop below the $30,000 minimum balance as swept funds will not be deemed to be counted toward the available balance for the purposes of the promotion. If all eligibility criteria are met, the $400 cash bonus will be deposited to your open, eligible account within 45 days following the expiration of the 90-day period.
• A new account must not be closed or restricted at the time of payout in order to receive the bonus. Live Oak Bank reserves the right to withdraw or withhold the bonus offer from any customer, with or without notice, if fraud or other suspicious activity is suspected.
• Live Oak Bank employees do not qualify.
• Any promotional amounts received may be subject to taxation.

$150 cash bonus for business savings:

• Open a Live Oak business savings account between 2/15/23 and 3/31/2023.
• Deposit at least $10,000 into your account by 3/31/2023.
• Maintain a balance of $10,000 or more for 90 days and watch your business savings grow with 4.00% APY*.
• Must be a first-time Live Oak business savings customer to be eligible for this bonus offer.

$150 cash bonus for small business checking:

• Open a new Live Oak Bank business checking account between 2/15/2023 and 3/31/2023.
• Deposit at least $2,000 into your new business checking account within 90 days of opening.
• Make 20 qualified transactions within 90 days of opening your account.
• Must be a first-time Live Oak small business checking customer to be eligible for this bonus offer.

• Business Banking Built for the Self-Employed
  • Designed with simplicity for newly-formed businesses, solopreneurs, gig-workers, freelancers, and side-hustlers
  • Open online in minutes
  • Deposit checks, pay bills, initiate wire transfers online – whenever, wherever
  • Over 55,000 free ATMs nationwide
  • No account opening or monthly maintenance fees
  • Dedicated customer service and onboarding support

• Important Information about this Business Savings Bonus Offer:
• Bonus offer is only available to new business savings customers. One offer per business or per authorized signer. To be eligible for the $150 bonus offer, a new Live Oak Bank business savings account must be opened, approved and funded with at least $10,000 in new money by 11:59 p.m. ET on 3/31/2023.
• A balance of $10,000 or more must be maintained for at least 90 days from the date of funding. Funds deposited by ACH, check, transfer, or wire must be drawn from an external financial institution to qualify. Deposits transfers originating from an existing Live Oak Bank Personal or Business account via internal transfer, CD redemption, check, ACH transfer, wire, or loan proceeds do not qualify for bonus offer.
• This bonus offer is available to new business savings customers. The opening of a new account will be subject to approval. Only one bonus offer per customer, business or authorized signer, will be awarded. Eligibility will be limited based on account ownership. Deposited funds must be collected to be eligible towards bonus offer. The $150 cash bonus will be deposited to your open, eligible account within 45 days of the 90-day activity period ends. Live Oak Bank reserves the right to withdraw or withhold the bonus offer from any customer, with or without, notice if fraud or gaming is suspected.
• The bonus payout may be subject to tax reporting. Fiduciary accounts (e.g., trusts) not eligible for this offer. Offer cannot be combined with any other savings offer and is limited to one bonus per account and per authorized signer.
• Offer expires on 11:59 p.m. ET on 3/31/2023.
• To receive this bonus, the new account must not be closed or restricted at the time of payout. Live Oak Bank employees do not qualify.
• Important Information about this Small Business Checking Account Bonus Offer:
• Bonus offer is only available to new small business checking customers. One offer per business or per authorized signer. To be eligible for the $150 bonus offer, a new Live Oak Bank small business checking account must be opened and approved by 11:59 p.m. ET on 3/31/2023.
• The customer must also deposit at least $2,000 of new money into the small business checking account within 90 days of opening the account. Funds deposited by ACH, check, transfer, or wire must be drawn from an external financial institution to qualify. Deposits transfers originating from an existing Live Oak Bank Personal or Business account via internal transfer, CD redemption, check, ACH transfer, wire, or loan proceeds do not qualify for bonus offer.
• The customer must also make 20 qualified transactions within 90 days of opening the account. Qualifying debit transactions include ATM withdrawals, debit card purchases, ACH payments, and paid checks. Each transaction must equal at least $20. Internal transfers, fees, debit card refunds and transaction reversals do not count as qualifying transactions for bonus offer.
• The opening of a new account will be subject to approval. Only one bonus offer per customer, business or authorized signer, will be awarded. Eligibility will be limited based on account ownership. Deposited funds must be collected to be eligible towards bonus offer. The $150 cash bonus will be deposited to your open, eligible account within 45 days of the 90-day activity period ends. Live Oak Bank reserves the right to withdraw or withhold the bonus offer from any customer, with or without, notice if fraud or gaming is suspected.
• The bonus payout may be subject to tax reporting.
• Fiduciary accounts (e.g., trusts) not eligible for this offer. Offer cannot be combined with any other checking offer and is limited to one bonus per account and per authorized signer.
• Offer expires on 11:59 p.m. ET on 3/31/2023.
• To receive this bonus, the new account must not be closed or restricted at the time of payout. Live Oak Bank employees do not qualify.
• * Live Oak Bank Savings Annual Percentage Yield (APY) is valid as of 2/14/2023. Rates may change at any time without prior notice, before or after the account is opened.