{"account":{"slug":"live-oak-business-savings","bank":"Live Oak Bank","name":"Business Savings"},"status":"recent","lastVerified":"2026-10-12","officialSource":"https://www.liveoak.bank/business-savings/","history":[{"date":"2026-06-11","apy":"2.85% on all balances (lowered from 3.00% in January 2026)","monthlyFee":"$0","minimumOpen":"None","atm":"No ATM access; online transfers only (savings account)","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-10-12","apy":"2.75% on all balances (down from 2.85%; 3.00% before January 2026)","monthlyFee":"$0","minimumOpen":"None","atm":"No ATM access; online transfers only (savings account)","note":"APY lowered to 2.75% from 2.85%; no minimum, no monthly fee; IntraFi extended FDIC coverage at no extra cost","sourceUrl":"https://www.liveoak.bank/business-savings/","sourceLabel":"Live Oak Bank Business Savings page"}],"verificationEvents":[{"id":"215baa46-71c0-4399-9401-d854efb62e3b","entityType":"bank-account","slug":"live-oak-business-savings","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:17.391Z","sourceUrl":"https://www.liveoak.bank/business-savings/","sourceLabel":"Live Oak Bank Business Savings page","outcome":"changed","summary":"APY lowered to 2.75% from 2.85%; no minimum and no monthly fee reconfirmed","changedFields":["apy","fdic","features","pros","cons"],"facts":{"apy":2.75,"minimumOpen":0,"monthlyFee":0},"previousHash":"8a011784d2a348239ffae1033343a1969f569c00ab80e1cff46d937ab877f8bb","recordHash":"ea6190a5811052def8124dcfdadbbfb3eabc28f135cdecc9ac1041b9fc91006a"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}