Heads up, awardtrail readers! Live Oak Bank is back with a pretty sweet offer: You can snag a $200 bonus by opening a personal savings account and keeping at least $20,000 in it for 60 days. The offer's valid until November 30th, so you've got some time to jump on it. This is a good way to make some extra money if you have some cash sitting around.

Here's the lowdown: you need to open and fully fund the account by November 30th. The $20,000 can't come from an existing Live Oak Bank account, so make sure it's a transfer from somewhere else. Also, existing customers need to increase their balance by $20,000 and maintain that. After keeping the balance for 60 days, the $200 bonus will land in your account within 45 days, assuming you haven't closed or restricted the account.

Why is this important? Well, it's basically free money! Plus, the account earns a decent 4% APY (Annual Percentage Yield), making the deal even sweeter. Think of it as a way to boost your travel fund with minimal effort. Just remember that the bonus is considered interest, so you'll need to factor it in when tax season rolls around. Happy earning!