live oak bank mobile app

Live Oak Bank Mobile Banking provides you a real-time view of your finances and the ability to manage your account online.

Download for iOS Download for Android

  • View all your bank accounts, including non-Live Oak accounts
  • Convenient electronic transfers
  • Deposit multiple checks at one time
  • Customer service at your fingertips
  • What can I do with the Live Oak Bank mobile app?
    • Manage and view Live Oak accounts
    • Deposit checks into Live Oak accounts with Mobile Deposit
    • Transfer funds between Live Oak accounts and external linked accounts
    • Add and manage linked accounts
    • Sync external account balances and transactions for viewing
    • Manage Account Settings
  • How do I deposit a check using Mobile Deposit?

    Mobile Deposit is a fast and secure way to deposit checks using your phone’s camera to capture the image of the front and back of your check(s). Follow the instructions below to make a deposit.

    1. Choose the camera icon at the bottom of the screen and select Make a Deposit.
    2. Select the account to use for your deposit.
    3. Enter the anticipated amount of the total deposit and select Next. (Deposit limits apply)
    4. Sign the back of the check and write “For Mobile Deposit at Live Oak Bank Only”.
    5. Follow the prompts to take a photo of the front and back of your endorsed check(s). For best results, use a dark-colored surface in a well-lit area and position the camera directly over the check.
    6. Review and Submit your deposit.
    7. Deposits are subject to review. You will receive an email notification should the deposit be adjusted or rejected.
    8. Store your check(s) in a secure location for 14 days after completing your deposit in case you need the original copy for any reason. Destroy the check(s) after 14 days.
  • What is the cutoff time for Mobile Deposit?

    The cutoff time for Mobile Deposit is 4:00 PM ET. Deposits made after the cutoff will be processed on the following business day.

  • When will my funds from my Mobile Deposit be available?

    Funds will be credited to your account once the deposit has been processed. For security and verification purposes, funds will be held for four business days once posted to your account. Mobile Deposits are not available for immediate withdrawal.

  • When will I begin earning interest on my Mobile Deposit?

    Interest will begin to accrue on the day the deposit is posted to your account.

Our mobile application is available on iPad, iPhone, and Android devices. Not all mobile application features are available on all devices. Web access is needed to use this service. Message and data rates may apply. Check with your cell phone provider and internet service provider for details on specific fees and charges.

Your use of our online services and mobile application (including any messages or alerts associated therewith) may be delayed or prevented by factor(s) affecting your internet/phone provider or other relevant entities, and we are not liable or responsible for any delays, losses, damages, or liabilities resulting from any such factors.

Certain devices with built-in fingerprint scanners are eligible for enrollment in fingerprint sign-in for our mobile application. If eligible, you will have the option to enable for fingerprint sign-in after your first login. If you store multiple fingerprints on your device including those of additional persons, those persons will also be able to access your mobile application via fingerprint when fingerprint sign-in is enabled

iPad and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Android is a trademark of Google Inc.

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