# Live Oak Bank — user reviews > 60 indexed App Store user reviews of Live Oak Bank by Live Oak Bank, rated 2.70/5 from 104 ratings. - Source: https://appshunter.io/ios/app/live-oak-bank/id1521341307/reviews - App overview in markdown: https://appshunter.io/ios/app/live-oak-bank/id1521341307.md - Rating breakdown: 5★ 34 · 4★ 4 · 3★ 5 · 2★ 16 · 1★ 45 ## 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 ## Newest reviews (15 of 60) ### 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. ### 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 — Mobile checks hasn’t worked on iPhones in over a year *2024-05-17, version 1.62.0* 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. ### 1/5 — Impossible to deposit checks *2024-03-02, version 1.61.0* 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. ### 1/5 — Continues to crash for two years now. *2024-01-13, version 1.60.1* Crashes every time I try to deposit a check. The app is completely worthless. ### 1/5 — Unable to deposit checks *2023-12-26* Have called customer service several times. Deleted and reloaded app several times. All to no avail. Every time I try depositing checks it locks up when it takes the pictures. One thing that seems to make it worst is if you select to not show the screen which reminds you to endorse the back side of your check before taking snapshot of the back of the check. Live Oak are you listening to the hundreds of complaints about your app?!? ### 1/5 — Unable to deposit checks *2023-11-14* Have called customer service several times. Deleted and reloaded app several times. All to no avail. Every time I try depositing checks it locks up when it takes the pictures. One thing that seems to make it worst is if you select to not show the screen which reminds you to endorse the back side of your check before taking snapshot of the back of the check. Live Oak are you listening to the hundreds of complaints about your app?!? ### 1/5 — Garbage. Be Careful Folks. *2023-09-21* I have a sizable c corp ($4MM annual revenue). I routed about 16k of merchant deposits to their “acclaimed” small business savings. Was locked, i didn’t worry about it for about 2 years until i remembered that i had money with them. I sent them account closure forms (photo ID included along with legal jargon my general counsel ensured was proper and binding - requiring they close my account and send me a check for my balance within 30 days of receiving the account closure form) Mailed certified, they received it, 30 days passes, 60, literally a full calendar year later I began more aggressively pursuing the matter. They then tell me, they have returned the funds (2+ years after having received them) to the sender. And for me to check the sending account. Those were merchant deposits, for sales made and products delivered from 2+ years ago. So they returned it ultimately to the merchant bank, aka Wells Fargo. Literally, they made me jump through infinite hoops just to give away my money. So, I’m short the 16k of product sales, as they so generously decided to give away their client’s money. Be careful folks. At live oak bank, please do correct me if I’m wrong, but I’m not, so I doubt you guys will have anything to say as you guys epitomize the gutter of the US banking system. ### 1/5 — Resetting password every week *2023-09-16, version 1.59.2* If you do not mind change your password every week, not seeing your deposit pending status until the money is in your bank, this is an app for you 🤔 ### 2/5 — Mobile deposit *2023-08-14* App needs to be update to correct the bug when trying to complete a mobile deposit. After taking the picture the app gets stuck in a loop. ### 1/5 — Money *2023-07-25, version 1.59.0* They locked my account and stole my money. ### 1/5 — Unable to deposit checks *2023-07-20* Have called customer service several times. Deleted and reloaded app several times. All to no avail. Every time I try depositing checks it locks up when it takes the pictures. ### 1/5 — Can’t deposit checks *2023-05-22, version 1.58.2* Glitchiest bank app I’ve used on personal or commercial end ### 2/5 — Mobile Deposit need attention *2023-05-07* App is great overall but every time I deposit a check, I have to delete the app and download again just to prevent the app from freezing in the middle of check photos. ### 2/5 — Mobile deposit issues *2023-04-25* App freezes after only one mobile deposit. Unable to make more than one deposit at a time. Consecutive deposit attempts fail. Needs a bug fix! ## Most critical reviews (10 lowest-rated) ### 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. ### 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. ### 1/5 — Check deposit is broken. *2025-02-24, version 1.64.5* 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. ### 1/5 — Wow. Terrible App Experience *2025-02-08, version 1.64.4* Can’t deposit checks on my phone. 110% interest equals zero if you can’t put money in. ### 1/5 — URI *2025-02-06, version 1.64.4* 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 ### 1/5 — Not recommended *2025-01-31, version 1.64.4* The bank staff are irresponsible with their work and customers' money, so it's best to stay away from this bank. ### 1/5 — Always running into issues with the app *2024-08-14, version 1.62.3* Love the bank, rates are wonderful, but the app needs some serious work. It’s always crashing, bugs etc. ## Most praised reviews (10 highest-rated) ### 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?? ### 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” ### 5/5 — Check Deposit Feature and High Yield Savings *2024-07-11* 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 ### 5/5 — Gets the job done *2024-07-11* 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. ### 5/5 — Amazing!! *2022-06-22, version 1.49.1* Everything about this bank is phenomenal. ### 5/5 — I think the app works great! *2022-05-11* I’ve only used the desktop version until this new update that happened with the entirety of Live Oak. I decided to get the app as well and honestly it works beautifully. I mainly only use it to transfer between my two separate accounts. ### 5/5 — Awesome! *2021-09-03, version 1.37.5* Love the new app. Snappy and easy to use! ### 4/5 — The app need to fix the login problems, the bank pay good interest *2023-02-13* They pay good interest for your savings ### 4/5 — More to be desired *2022-09-28* First off, in a new customer so this is first impressions. Mobile deposits take a little bit of time at the start but clearing speeds up i assume after you develop trust with the bank. I like the clean and simple design but i think theres could be a dark-mode integration. and i also think the bank should disclose in large bild letter that they wont provide you a checkbook for their checking accounts. Other than that ive had a very good experience banking here so far, I've called them twice, havent waited on the phone for more than 3 minutes, and every time get a nice knowledgable rep on the phone to answer my questions. There are a few things that can be done to bring this app into 2022 tho. (dark mode primarily) --- *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 2026-09-03.*