Live Oak’s FDIC-insured1, hassle-free small business checking account brings banking to your fingertips.
No Hidden Fees
No account opening or monthly maintenance fees, no balance requirements
Move Money with Ease
Deposit checks, pay bills, initiate transfers online – whenever, wherever
Free ATM Access
Access over 55,000 free in-network ATMs
One-on-one guidance to take the guesswork out of maximizing your account
You won't be held responsible for unauthorized debit card transactions, whether they’re made over the phone, online or in-person2
Real-Time Transaction History
You can view transactions and access the funds deposited into your account in real-time
Small business owners who open a Tidal small business checking account will have a dedicated onboarding guide. Your guide will be your single point of contact from start to finish and will answer questions along the way. Our goal is to make this process simple and seamless. They'll help you:
Here's how you can earn an extra $100 for your small business3:
Open your Tidal account
by February 1, 2022
Deposit $1,000 or more
by April 1, 2022
Make 10 or more debit card purchases
by April 1, 2022
Yes - we have partnered with the AllPoint network to provide you the freedom to get cash where you want, when you want, where you are. With over 55,000 ATMs in the Allpoint Network, it's never been more convenient to find a free ATM near you. The Allpoint ATM finder makes it easy to find a free ATM nearby. Click here to search any location: https://www.allpointnetwork.com/locator.aspx
If you choose to use an out-of-network ATM, Live Oak Bank won't charge you a fee, but the ATM owner may.
You can withdraw up to $1,000.00 from an ATM per day (this resets at midnight Central Time). If you would like to increase this daily limit, please contact a Customer Success Manager at 866.518.0286, Monday through Friday, 8:00 a.m. – 8:00 p.m. ET.
Our Customer Success Managers are available Monday through Friday 8:00 a.m – 8:00 p.m. ET. You can reach them by calling 866.518.0286.
You may also request account support or access helpful resources by visiting our support site.
1. Live Oak Bank is a member of the Federal Deposit Insurance Corporation (FDIC). As a Live Oak Bank customer, your Live Oak Bank deposits are insured by the FDIC up to $250,000 per depositor, for each account ownership category.
2. Live Oak Bank won't hold you responsible for “unauthorized transactions.” As a Mastercard cardholder, Zero Liability applies to your purchases made in the store, over the telephone, online, or via a mobile device and ATM transactions. As a cardholder, you will not be held responsible for unauthorized transactions if:
If you have questions regarding Zero Liability coverage or you suspect unauthorized use of your card, contact Live Oak Bank IMMEDIATELY.
3. $100 Bonus Deposit Offer Terms:
Offer valid on new Tidal small business checking accounts opened and approved from 12:00 a.m. ET on December 17, 2021 – 5:00 p.m. ET on February 1, 2022.
To be eligible to earn a $100 account opening deposit, you must meet each of the qualifying activities below: