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.
Horrible communication
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.
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Customer service
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”
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Check deposit is broken.
The app hangs after the front photo and will not complete the deposit. I dug out an old android to do my banking let’s see if it works.
Oh also they have buggy quickbooks support and missing transactions which makes tax time extremely stressful.
Oh also they have buggy quickbooks support and missing transactions which makes tax time extremely stressful.
Wow. Terrible App Experience
Can’t deposit checks on my phone. 110% interest equals zero if you can’t put money in.
URI
This app is horrible. It will not allow you to login. It says the username and/or password is incorrect. Then will block you. But the same password and username will work on a browser
Not recommended
The bank staff are irresponsible with their work and customers' money, so it's best to stay away from this bank.
Always running into issues with the app
Love the bank, rates are wonderful, but the app needs some serious work. It’s always crashing, bugs etc.
Check Deposit Feature and High Yield Savings
I noticed much of the previously poor reviews are in reference to the check deposit feature, I’ve never had a smoother experience with it than with Live Oaks mobile banking app, super convenient and easy to manage, made a deposit and my funds begin earning interest the same day at an incredible rate. Great experience
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Gets the job done
The app functions well overall. It allows you to view accounts and easily transfer and deposit checks. One thing to note is that the Face ID biometrics seem to only work for a limited time before requiring you to re-enter your credentials. Although this can be inconvenient, it's not a significant issue in the grand scheme of things.
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Mobile checks hasn’t worked on iPhones in over a year
I’ve wasted a lot of time talking to customer service, opening cases, sending info. They just refuse to fix issues. I’m done with them.
Impossible to deposit checks
One of the worst check deposit functions of any app I’ve used. Will deposit elsewhere where it actually works even though the interest paid is lower.
Continues to crash for two years now.
Crashes every time I try to deposit a check. The app is completely worthless.
