Available nationwide, find the latest Live Oak Bank promotions, bonuses & offers here.
Live Oak Bank Business Checking Summary
Business Essential Checking
Straightforward, everyday business checking
Ideal for core, day-to-day business banking needs with a simple digital experience that works for teams of any size.
- Easily connect with QuickBooks
- Unlimited number of transactions
- Free withdrawals at 55,000+ Allpoint® ATMs
- Customizable permissions and robust online banking capabilities
$10/month waivable with a $1,000 average daily balance
Business Plus Checking
Flexible business checking for growing operational needs
Built for businesses that need more robust money-movement tools and additional account controls.
- ACH collections and payments
- Online wire transfers
- Enhanced employee permissions and account controls
- Advanced cashflow features
$25/month waivable with a $25,000 average daily balance
Business Plus Analysis
Advanced business checking built for greater financial complexity
Designed for companies with significant daily balances and more sophisticated cash management workflows.
- Account analysis and aggregation features
- Ideal for businesses managing significant cash flows
- Broader capabilities suited for complex or multi-entity operations
$100/month earnings credit can offset fees
Live Oak Bank Business Checking Features
- Money Management
- Unlimited number of transactions
- Flexible debit card use with free withdrawals at over 55,000 Allpoint® ATMs*
- Easy money movement to make payments and deposit checks on the go
- Business Management
- Connect with QuickBooks
- Set employee permissions and customize alerts in online banking
- Support & Security
- Waivable monthly service fees* (based on balance requirements)
- Dedicated support from our U.S.-based team
- Fraud protection with built in safeguards and Mastercard® Zero Liability*
(at Live Oak Bank)
Live Oak Bank $200 Business Checking Bonus* (Expired)
- Learn More at Live Oak Bank
- What you’ll get: $200 bonus*
- Account Type: Business Essential Checking
- Availability: Nationwide
- Monthly Fee: Business Essential Checking: $10/month waivable with a $1,000 average daily balance*
(at Live Oak Bank)
How To Earn Bonus
- Open a Business Essential checking account by April 30th, 2026.
- Fund Your Account & Maintain Balance. Deposit $5,000 by 4/30/26 and maintain that average daily balance for 90 days beginning 5/1/26.
- Get Your $200 Bonus*. Live Oak will deposit your $200 bonus* into your Business Essentials checking account after you have completed all qualifying activities.
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Conclusion
Experience online business checking with an unlimited number of transactions. Get streamlined tools, low fees and support from a U.S.-based team.
Find our full list of bank bonuses for all your banking needs!
Member FDIC.
*Click here for full terms and conditions.
