FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Live Oak Bank High-Yield Business Savings

Finally, the Rate Your Business Deserves.   APY1

When you open a high-yield business savings account, you'll earn a consistently competitive rate to maximize your returns. Accounts are FDIC insured2 with no minimums or maintenance fees.

 Competitive rate earning 8x the national average3

 FDIC insured2 — protected, giving you peace of mind

 No monthly maintenance fees or minimum balance to open

Open Account
business-savings-account-features-benefits-1170x1082-hubspot

Fuel Your Growth


Maximize Your Returns

Our competitive business savings interest rates fuel your growth.

Protect Your Assets

Your deposits are FDIC-insured2, safeguarding your business from financial risks.

Streamline Your Financial Management

Open your business savings account online and add authorized signers to accelerate efficiency.

Integrate with Your Accounting Software

Connect your account to QuickBooks for seamless financial tracking and reporting.

Avoid Unnecessary Costs

Benefit from no monthly maintenance fees, boosting your business' bottom line.

Recognized for Excellence

Live Oak is consistently recognized for our superior customer support and high-yield savings accounts.

"A best-in-class business savings account."

— NerdWallet

"Business owners wanting a good return on their savings should look no further than the Live Oak."

— CNBC Select

"Best Online Savings Account of 2025"

— Wall Street Journal's BuySide

Trustpilot

Your Business, Your Bank

Watch our video to learn how to choose the right business banking partner. Discover the importance of FDIC insurance, exceptional customer service, transparent fees, and seamless QuickBooks integration. Before you apply, have these ready:

  • Driver’s License
  • Six-Digit NAICS Code
  • EIN/Business Tax ID
  • Articles of Organization

Extended FDIC Insurance Coverage

Access millions in aggregate FDIC insurance through IntraFi® 's network of banks.4

icon-insurance

Minimize Risk

Protect your assets with access to millions in aggregate FDIC insurance coverage while earning a competitive rate.

icon-no-fees

No Fees

Receive access to extended FDIC insurance coverage at no extra cost to you.

icon-centralized-relationship

Centralized Relationship

No need to manage multiple bank relationships when you can access coverage through one login with us.

A list identifying IntraFi network banks can be found at www.IntraFi.com/network-banks. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply. To meet these conditions, deposit accounts are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage.

meet live oak bank

Hi, we're Live Oak. Founded in 2008, our founders set out to revolutionize banking. Want to learn about our fresh approach to finance? Let's dive in. 

Loading disclosures...