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.
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.
Won’t use biometric data
Once the app is opened, it works great. However, trying to login is a major hassle. It does not seem to want to remember Face ID and every login requires manual entry of that information.
Great Bank, Awful App
For several months now the app has simply stopped letting me log in. Every time I try, I am forced to re-authenticate, even with Face ID enabled. The process involves entering credentials, receiving texts, submitting passwords, again and again. Then, once I am in, I am forced to do it all over when I re-launch the app.
Live Oak is a great bank. But this app is unusable.
Live Oak is a great bank. But this app is unusable.
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Bad App
App has been great until the last update. Now Face ID never works and the app never remembers my device. Everything else is fine.
Good bank, lousy app
Fails to remember login credentials, FaceID flashes several times but you are not logged in. “Remember this device” doesn’t work. You’re better off using the website.
New Update
New update has stopped allowing me to use Face ID. It keeps forgetting my trusted device, and I’m force logged out everytime the app crashes or resets. Quality of life, fluid accessibility and convenience are why I had originally downloaded and opened this account. Debating moving my funds to Sofi or another HYSA with less issues and the same security.
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Gets the job done no issues
Never had a glitch or issue with it
Love it
Easy and straightforward to use and excellent customer service, no complaints!
Great for HYSA
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
Can’t deposit checks
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??
No years in transactions
Transaction history doesn't show years. App works ok but basic. Check balance see transaction history and transfer funds.
App is trash
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.
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Doesn’t tell you the current interest rate you’re earning
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
Check deposit
Doesn’t work all that great.
app agreement issue
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
Mobile Deposits Still Don’t Work
As of June 11, 2025, the mobile deposit feature still doesn’t work.
