Live Oak Bank (www.liveoak.bank) has a 4.4 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 85% of reviews are 4 stars or higher and 8% are 1 star; The business has replied to 82% of negative reviews. Last updated 2026-08-10.
Application process was good, Rates are too low when May inflation was 4.1%
Richard, thanks for sharing your experience - it means a lot. We’ll pass your feedback along to the team.
COMPETITIVE RATES. Easy to use web site
Thanks for the kind words, Thomas! We’re proud to be your banking partner and excited to support your journey ahead.
Bruce, we appreciate your support and are glad to hear things went well. Thanks for banking with Live Oak!
Live Oak Bank has a good APR rate compared to other online banks. After a few clicks, my transfer from another bank was complete. So easy!
Michelle, we’re thrilled to hear you had a great experience. Thanks for choosing Live Oak - we’re here to help you keep growing.
Live Oak Bank has been the best experience I've had with banking. I'm a bookkeeper by profession, dealing with many banks - local and national. I chose Live Oak for my business because it was easy to set up, non-intrusive or restrictive, great customer service, and amazing interest rates.
Jennifer, we’re thrilled to hear you had a great experience with your business account. Thanks for choosing Live Oak - we’re here to help you keep growing.
Easy online account setup, some of the best rates around and user friendly app.
Jeremy, thanks for sharing your experience. We’re grateful to have you as part of the Live Oak community!
I used LiveOak bill pay to pay my Visa bill. Live Oak never disclosed that they would take my money - hold for 3 days to make interest - and then make my payment. Every payment that I make - that live oak should send electronically - they make after 5 days. Yes - Live oak steals your money for 3 days - makes interest on it and then on the 4th day they make the payment. They steal the money!
Eric, we are sorry your experience did not meet expectations. Your feedback has been shared with the team.
Thanks for sharing your experience. We’re grateful to have you as part of the Live Oak community!
Thanks for the kind words, Carlos! We’re proud to be your banking partner and excited to support your journey ahead.
Great customer service. Easy to use app.
Thanks for the kind words, Tommy! We’re proud to be your banking partner and excited to support your journey ahead.
You locked my account without warning. When asked you needed more information. This should have been taken care of up front so the account lockout would never have happened.
Danny, we are sorry your experience did not meet expectations. Your feedback has been shared with the team.
James, we’re thrilled to hear you had a great experience. Thanks for choosing Live Oak - we’re here to help you keep growing.
Cynthia, thanks for sharing your experience. We’re grateful to have you as part of the Live Oak community!
The website is very well-designed and very user-friendly. Establishing an account on-line was a breeze. Phone support is also good - I did have a question, and got an answer via phone without a long wait, and the person was easy to understand.
Howard, we appreciate your support and are glad to hear things went well. Thanks for banking with Live Oak!
Live Oak Bank is consistently offers one of the highest rates available on savings accounts. I rarely need assistance, as their website offers enough functionality to meet my needs. However, when I talk with their customer service, it was refreshing that they actually wanted to help and quickly took care of the questions we had, which was actually an issue with another bank...but we still took care of it while on the phone. I have zero complaints about Live Oak Bank, which is rare in today's world.
PJ, thank you for being a Live Oak customer! We’re so glad our team could make your experience a great one.
Andy, thanks for sharing your experience. We’re grateful to have you as part of the Live Oak community!
The people I spoke with seem to actually care about you and they seemed to enjoy their job
Thanks for the kind words, Randy! We’re proud to be your banking partner and excited to support your journey ahead.
When I opened the account I could not get my financial institutions to link and the customer service was so helpful and patient. It was such a pleasure and different working with knowledgeable staff to assist me.
Thank you for being a Live Oak customer! We’re so glad our team could make your experience a great one.
I never have any trouble logging into Live Oak account. Transferring funds is easy and very fast. Interest rate is really good right now as well.
Alan, we’re thrilled to hear you had a great experience. Thanks for choosing Live Oak - we’re here to help you keep growing.
Excellent company. Quick & efficient & perfect for me.
Thanks for the kind words, Patricia! We’re proud to be your banking partner and excited to support your journey ahead.
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