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Live Oak Bank bonus: $300 (new or existing customers)

Personal High-Yield Savings. Here's what it takes, when it ends, and what it's really worth per day.

Checked Oct 26, 2026

Net per day
$3.33
Max days to payout
90
Cash parked
$20,000
Net value
$300

The details

Bonus$300 (new or existing customers)
RequirementsNo direct deposit.
Other conditionsDeposit $20,000 and maintain 90 days (per Doctor of Credit).
ExpiresNo end date. Not published.
Max days to payout90
Cash parked$20,000
Opportunity cost$0
Net value$300
Bonus as APY6.08%
Fine printThe 4.00% APY was read on Live Oak's page; the $300 bonus and its terms are only on Doctor of Credit so far. Savings has no debit card or checks; incoming portal ACH held 5 business days.
VerificationPartly verified (partial). Last checked Oct 26, 2026.
Sourcehttps://www.doctorofcredit.com/best-bank-account-bonuses/
Also seehttps://www.liveoakbank.com/personal-savings/ (APY 4.00% confirmed; bonus not shown there)

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Live Oak Bank

Personal High-Yield Savings · Online bank
Partly verified
$300
$300 (new or existing customers)
$3.33net / day
No end date publishedPaid in ≤90 daysEasy
  • No direct deposit.
  • Deposit $20,000 and maintain 90 days (per Doctor of Credit).
Get this bonus
Goes to the source page (partly verified)
We may earn a commission from some links. It never changes the ranking.
Fine print & the math

The 4.00% APY was read on Live Oak's page; the $300 bonus and its terms are only on Doctor of Credit so far. Savings has no debit card or checks; incoming portal ACH held 5 business days.

Expires: No end date. Not published.

Cash parked $20,000 · Opportunity cost vs 4.00% savings $0 · Net $300 · Bonus as APY 6.08%

Also see: https://www.liveoakbank.com/personal-savings/ (APY 4.00% confirmed; bonus not shown there)

Source page · last verified Oct 26, 2026