# Live Oak Bank — Live Oak Bank Mobile Banking

> FDIC-insured online bank for managing accounts, deposits, and transactions. (iPhone/iPad app by Live Oak Bank.)

- Source: https://appshunter.io/ios/app/live-oak-bank/id1521341307 (this page in markdown: same URL + `.md`)
- Developer: [Live Oak Bank](https://appshunter.io/developer/796973434)
- Category: Finance, Business
- Price: Free
- Rating: 2.70/5 from 104 App Store ratings · 60 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.0 · 69 MB
- Languages: American English
- Released: 2020-09-29
- Data updated: 2026-08-25
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/live-oak-bank/id1521341307/reviews.md

## What is Live Oak Bank?

Live Oak Bank offers competitive interest rates, no monthly maintenance fees, and a fast and secure connection to your other bank accounts. Enjoy the ease and accessibility of an FDIC insured online bank with unparalleled customer service. Our mobile app is another way we help our customers achieve more.
  
Mobile banking features
• Manage your profile and account names
• Check balances and search transaction history
• Move Money
• Deposit multiple checks at one time 
• Manage Savings and CD interest disbursements 
• Manage CD maturity options
• View and download account statements and tax documents
• Manage users on the account
• Open your account through the app
• Manage your external accounts

Live Oak Bank’s mobile banking app is secure, simple, and fast. You can access a real-time view of your finances and manage your account online. 
 
 
1. Live Oak Bank is a member of the Federal Deposit Insurance Corporation (FDIC). As a Live Oak Bank customer, your Live Oak Bank deposits are insured by the FDIC up to $250,000 per depositor for each account ownership category.

© 2021 LIVE OAK BANKING COMPANY. ALL RIGHTS RESERVED. MEMBER FDIC. EQUAL HOUSING LENDER.

## Key features

- 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

## What do users think of Live Oak Bank?

Overall sentiment: negative

**Pros**

- 👍 Great customer service (Hannah mentioned)
- 👍 High interest rates
- 👍 Clean and simple interface
- 👍 Funds earn interest same day (sometimes)
- 👍 Easy to view accounts
- 👍 Easy to transfer funds
- 👍 Gets the job done
- 👍 Phenomenal bank overall (one user)

**Cons**

- 🐛 Mobile deposit frequently broken
- 🐛 App crashes often
- 🐛 Login issues (password, Face ID, Touch ID)
- 🐛 App agreement issues
- 🐛 Horrible communication/denial reasons
- 🐛 Money on hold for transfers
- 🐛 Buggy QuickBooks support/missing transactions
- 🐛 Irresponsible staff/money handling (one user)
- 🐛 App unavailable/maintenance
- 🐛 Not enterprise ready (deposit limits)
- 🐛 Incompatible with Mint
- 🐛 Phone version only, no landscape/iPad view
- 🐛 Deposits locked for extended periods
- 🐛 Account locked/money stolen (one user)
- 🐛 Glitchiest bank app

**Commonly reported bugs**

- Mobile deposit feature consistently fails
- App freezes during check deposit photos
- Login issues (username/password incorrect, Face ID/Touch ID not working, account locked)
- App agreement submission button becomes unresponsive
- App hangs after front photo during check deposit
- QuickBooks support is buggy with missing transactions
- App crashes frequently
- App is constantly down or unavailable for maintenance
- Biometric login (Face ID, Touch ID) not working reliably
- App not remembering login credentials
- App not compatible with Mint
- App crashes when photographing checks
- App only works in portrait mode
- Mobile check deposit feature crashes after turning off warnings
- Enrollment process is buggy and cumbersome
- Recent updates require frequent Face ID setup
- App does not send required codes for signup
- Cannot log in after enrollment, stuck in enrollment loop
- App does not work on iPad
- Deposits on hold for 3-5 days

**Most requested features**

- Dark mode integration
- Add total balance for all accounts
- Improve Face ID/Touch ID reliability
- Fix QuickBooks integration
- Add landscape mode and iPad view

## Recent user reviews (10 of 60)

All indexed reviews: https://appshunter.io/ios/app/live-oak-bank/id1521341307/reviews.md

### 5/5 — Great for HYSA

*2026-07-06*

I’ve had Live oak now for almost a year, no issues have used transfers and mobile deposits and still get time same rate as when I joined .  Would recommend

### 5/5 — Can’t deposit checks

*2026-06-04*

Only way to escape the spinning wheel when depositing a check is to delete the app and reinstall… every time. Ridiculous. How can so many banks provide a mobile deposit app that works but live oak can’t??

### 3/5 — No years in transactions

*2026-05-15*

Transaction history doesn't show years. App works ok but basic. Check balance see transaction history and transfer funds.

### 1/5 — App is trash

*2026-05-15*

I never thought I’d consider ditching a financial institution because of the functionality (or lack thereof) of their app, but the login process is so beyond onerous that I’m on my way out. I have like 100 apps on my phone and not a single one is anywhere near as difficult as this one to get into. Usually all I want to do is check my balance, but it’s a total crapshoot as to whether Face ID will work or even load as an option. Password autofill is often not accessible. And if it all does happen to work, I have to click about 8 different times on the way. Terrible. Terrible. Terrible.

### 2/5 — Doesn’t tell you the current interest rate you’re earning

*2025-12-18*

Very little info no Interest rates also they put transfer in money on hold preventing it from earning interest for 3-5 days and that could be $30+ a day

### 1/5 — Check deposit

*2025-07-24, version 1.64.7*

Doesn’t work all that great.

### 1/5 — app agreement issue

*2025-06-27, version 1.64.7*

every time i log in now the app requires accepting a new app agreement. after accepting it and clicking submit the submit button goes gray and stays there. no way to access your account

### 1/5 — Mobile Deposits Still Don’t Work

*2025-06-11, version 1.64.7*

As of June 11, 2025, the mobile deposit feature still doesn’t work.

### 1/5 — Horrible communication

*2025-05-19, version 1.64.7*

I set up an account. When I logged in, it said to call costumer support. I called and they said I was denied. I have a high credit score, low debt to income, and consistent annual employment at the same company. I asked what any reasons for denial are. And they said they couldn’t tell me any necessary criteria.

### 5/5 — Customer service

*2025-04-24*

The person name “Hannah” I hope I am writing the name right lol but anyway Live Oak bank has great customer service but specially “Hannah” thank you very much for helping me in every step to get my account back and all the other workers too for helping me. But she has GREAT customer service, polite, kind, and really helpful.  I repeat myself again Thank you “HANNAH”

## Frequently asked questions about Live Oak Bank

### 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.

## Version history (last 5 releases)

### 1.64.17 — 2026-08-12

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

### 1.64.14 — 2026-05-07

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

### 1.64.13 — 2025-10-22

We've enhanced the Live Oak Bank app with fixes and improvements that allow you to do more. 

What's new: 
- General bug fixes

### 1.64.12 — 2025-09-10

We've enhanced the Live Oak Bank app with fixes and improvements that allow you to do more. 

What's new: 
- General bug fixes

### 1.64.7 — 2025-04-18

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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## More apps by Live Oak Bank

- [Oaker Benefits](https://appshunter.io/ios/app/oaker-benefits/id1541900850)
- [Live Oak Business Plus](https://appshunter.io/ios/app/live-oak-business-plus/id6443908068)

All apps by Live Oak Bank: https://appshunter.io/developer/796973434

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-25.*