Live Oak Bank

Live Oak Bank

Live Oak Bank Mobile Banking

104 ratings
72 reviews
Free

Details

  • Released
  • Updated
  • September 29, 2020
  • August 12, 2026

Features

Live Oak Bank screenshot #1 for iPhone
Live Oak Bank screenshot #2 for iPhone
Live Oak Bank screenshot #3 for iPhone
Live Oak Bank screenshot #4 for iPhone
Live Oak Bank screenshot #5 for iPhone
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About

Manage your finances with this FDIC-insured online bank. Access your accounts, deposit checks, move money, and view statements securely. Enjoy competitive rates and excellent customer service through a fast and accessible mobile app.

✓Manage profile and account names
✓Check balances and transaction history
✓Move money between accounts
✓Deposit multiple checks
✓Manage savings and CD disbursements
✓View and download statements
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What users say about Live Oak Bank

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What's New in Live Oak Bank

1.64.17

August 12, 2026

We've enhanced the Live Oak Bank app with fixes and improvements that allow you to do more.   What's new: - General bug fixes

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User reviews

Love live oak, despise their app

I love using live oak as my savings account, but their app is just awful. I’ve used them for a few years now and they just can’t seem to get a working login system going. Every time I attempt to login Face ID makes multiple attempts to log me in before the app gives up with a failure message, but then this error won’t go away when I attempt to login with a password with the only solution being to close the app, relaunch, login with a password again, and wait while it seems to attempt Face ID a couple more times and then let me in again. 1 star because this awful login experience still hasn’t been fixed years later, somehow it’s gotten worse, and it’s about time live oak gave their mobile app some much needed attention.
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Can’t easily get into the app

Once you can get in the app works. All I really do is check my balance and make transfers to my checking. But getting into the app is difficult. The face recognition does not work at all. It tries to read my face twice and then puts me back to the login. So I have to let it do that every time I open the app and then enter my password. Fine, once I am in the app is works, HOWEVER, if I get timed out, I have to go through the entire login process again AND many times I am not able to get back in! This is not good and needs to be fixed!
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User experience is awful

The login process needs a lot of work. I had to use Apple Face ID 6 times total to log in. Still didn’t work, so I used “fill password”, with Face ID and the screen went blue. Clicked on the screen, went back to normal, hit sign in, Face ID 2 more times. I hit remember my device every time. Just not a good app experience. I only need a HSYA so I am moving to a different bank.
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Face ID broken

Is great when functional. iPhone 12 mini, iOS 18.7.1, latest app. Face ID triggers twice, fails, manual login required and 2FA always triggered. Started getting failed to retrieve tokens. Reinstalling the app doesn't fix it. Was 5/5 when actually functional. Never experienced something like this before with a banking app.
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Face ID

App is fine, provided it if works.
Here is the problem.
Each time when I use Face ID it requires passcode again.
After passcode typed Face ID works, but only one time. Very next time it asks for passcode again.
Definitely it’s an app glitch.

Developer apps

User experience

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Reported Bugs

20 issues

Mobile deposit feature consistently fails

Bug

App freezes during check deposit photos

Bug

Login issues (username/password incorrect, Face ID/Touch ID not working, account locked)

Bug

App agreement submission button becomes unresponsive

Bug

App hangs after front photo during check deposit

Bug

QuickBooks support is buggy with missing transactions

Bug

App crashes frequently

Bug

App is constantly down or unavailable for maintenance

Bug

Biometric login (Face ID, Touch ID) not working reliably

Bug

App not remembering login credentials

Bug

App not compatible with Mint

Bug

App crashes when photographing checks

Bug

App only works in portrait mode

Bug

Mobile check deposit feature crashes after turning off warnings

Bug

Enrollment process is buggy and cumbersome

Bug

Recent updates require frequent Face ID setup

Bug

App does not send required codes for signup

Bug

Cannot log in after enrollment, stuck in enrollment loop

Bug

App does not work on iPad

Bug

Deposits on hold for 3-5 days

Bug
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Requested Features

5 requests

Dark mode integration

Feature

Add total balance for all accounts

Feature

Improve Face ID/Touch ID reliability

Feature

Fix QuickBooks integration

Feature

Add landscape mode and iPad view

Feature

FAQ

What can I do with the Live Oak Bank mobile app?

The app allows you to manage your profile, check balances, search transactions, move money, deposit multiple checks, manage savings and CD disbursements, view statements, and manage external accounts. You can also open a new account directly through the app.

Is Live Oak Bank FDIC insured?

Yes, Live Oak Bank is a member of the Federal Deposit Insurance Corporation (FDIC). Your Live Oak Bank deposits are insured by the FDIC up to $250,000 per depositor for each account ownership category.

Does Live Oak Bank charge monthly maintenance fees?

No, Live Oak Bank offers no monthly maintenance fees for its accounts, making it a cost-effective option for managing your finances.

What are the main benefits of using this banking app?

The app provides a fast and secure connection to your bank accounts, offering ease and accessibility. You can manage your finances in real-time, enjoy competitive interest rates, and benefit from unparalleled customer service.

Is the app compatible with different devices?

The provided description focuses on the features and benefits of the mobile banking app and does not specify compatibility details for different operating systems or devices. However, it is designed for mobile access.