Special discount: Get 30 days free plus 40% off Lili Smart fee for 3 months

Get 40% off Lili Smart fee for 3 months
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Banking designed for your business

Lili empowers your business with the banking features you need, while eliminating the hidden fees you don’t.

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Lili is a financial technology company, not a bank.
Banking services are provided by Sunrise Banks, N.A., Member FDIC
No minimum balance, no hidden fees
No overdraft fees4, no minimum balance or deposit, and no ATM fees at 40,000+ MoneyPass locations.
Move money conveniently
Instantly send and receive money using Express ACH and wire transfers9. Safely connect payment apps or external bank accounts.
Lili Visa® Debit Card with Cashback Awards
Use your Lili Visa® Debit Card anywhere Visa® is accepted. Earn cashback1 on purchases at participating merchants at Visa SavingsEdge.
Savings account with 3.65% APY
Automate your daily savings and receive an extra boost to your savings account balance by earning 3.65% APY3.

Online banking, wherever you need it

Wherever you need to take care of your business banking, we’ve got you covered. Whether on our mobile or web app, Lili offers online banking at your fingertips.

Lili Visa® Debit Card

Convenient, secure, and free8.

Take care of your business expenses with your Lili Visa® Debit Card, fee-free8. It’s Visa®, so it’s accepted anywhere Visa® is accepted and is protected from unauthorized use. And, you’ll receive a digital card that you can add to your digital wallet.

Multi-user access

With joint account access and a debit card for each owner, you get the shared financial control that you need to run your business.

When each business owner has access to your Lili account, financial management tasks can be distributed equally and handled more efficiently. And having a debit card for each business owner enhances real-time control over transactions and eliminates the risk of bookkeeping discrepancies.

Fee-free overdraft protection

Take some of the pressure off of your cash flow.

Benefit from the financial flexibility offered by BalanceUp, Lili’s fee-free overdraft protection4. Any overdraft up to $200 on your Lili Visa® Debit Card is covered, because we know you can’t always plan for everything.

Multiple business accounts under a single login

Open Lili accounts for all of your businesses, and manage them all seamlessly from the Lili platform, using a single login

For entrepreneurs with multiple businesses, you can open a Lili account for each business (up to 4 businesses), and manage them using a single login. Managing all of your businesses in one platform means spending less time switching between banking platforms, and more time on growing your businesses.

Earn 3.65% APY from
your savings, and
boost your bottom line

Maximize your savings with a high-yield savings account that enables you to automate a set daily amount to transfer from your business checking account.

Earn 3.65% APY on savings account balances up to and including $100,0003.

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Small businesses trust Lili to simplify their business finances

“Lili has helped me stay on top of expenses, set aside money for quarterly taxes, and auto-save for emergencies.”
Brian D. Muller Momentous Wealth Advisors
"I chose Lili because it’s all just intuitive. I cannot imagine trying to manage my finances on top of everything else… Lili is so, so helpful."
Anna N. SkinGal Studio
“Lili has been an amazing tool for me in running my business. It was extremely easy to set up and makes it extremely easy for me to manage my company's spending.”
Luke Bivens QC Growth
“Since using Lili's mobile app, I have tripled my income and gained clarity in my finances."
Tiana Smith Tiana Smith Coaching

Frequently asked questions

How do I deposit a check into my Lili account?
Where can I withdraw cash using my Lili card?
How do I deposit cash into my Lili account?
How do I pay my bills from my Lili account?
Where can I withdraw money without paying a fee?
How do I apply for fee-free overdraft?
Can I accept wire transfers?
Can I send wire transfers?
Can I send paper checks?
Does Lili offer joint business bank accounts?

You can easily deposit a check into your Lili account using the Lili platform.

Simply access Menu > Add Money > More options > Mobile Check Deposit, and follow the steps below:

  1. Sign the back of the check
  2. Write in the endorsement field on the back of the check “For Lili mobile deposit only.”
  3. Enter the amount of the check being deposited
  4. Take pictures of the front and the back of your check. Make sure to place your check on a dark, solid background.

Discover more for your business

Accounting
Powerful accounting software that makes it easy to keep your books up to date and clarifies your business’s financial position.
Invoicing Software
Easily create and send customizable invoices, accept any payment method, track payments and send reminders.
Tax Preparation
Automate tax savings throughout the year and receive auto-generated expense reports and pre-filled tax forms.
Plans
Review the details of each of the account plans offered by Lili and select the plan that works best for your business.
3 steps and you’re in business
Get Started
01
Tell us about yourself

Fill in some basic personal information.

02
Tell us about your business

Share a few details including business type, EIN and industry.

03
Select a plan

Choose the account plan that best fits your business.

Contact Us

Email Our Support Team or Call Us

Mon – Friday, 9am – 8pm EST

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Lili is a financial technology company, not a bank. Banking services are provided by Sunrise Banks, N.A., Member FDIC. The Lili Visa® Debit Card is issued by Sunrise Banks, N.A., Member FDIC, pursuant to a license from Visa U.S.A., Inc. The Card may be used everywhere Visa debit cards are accepted.

Wire Transfer service provided by Column Bank N.A., Member FDIC. All wires are subject to acceptance criteria and risk-based review and may be rejected at the sole discretion of Column Bank N. A. or Lili App Inc.

1 Eligibility for cashback awards is available to Lili Pro, Lili Smart, and Lili Premium account holders only; applicable monthly account fees apply. For details, please refer to your Sunrise Banks Account Agreement.

2 Accounting, tax preparation and invoicing software is available to Lili Smart and Lili Premium account holders only; applicable monthly account fees apply. For details, please refer to your Sunrise Banks Account Agreement.

3 The Annual Percentage Yield (“APY”) for the Lili Savings Account is variable and may change at any time. The disclosed APY is effective as of October 1, 2024. Must have at least $0.01 in savings to earn interest. The APY applies to balances of up to and including $100,000. Any portions of a balance over $100,000 will not earn interest or have a yield. Available to Lili Pro, Lili Smart, and Lili Premium account holders only; applicable monthly account fees apply.

4 BalanceUp is a discretionary overdraft program for debit card purchases only, offered for Lili Pro, Lili Smart, and Lili Premium Account holders; applicable monthly account fees apply. You must meet eligibility requirements and enroll in the program. Once enrolled, your Account must remain in good standing with a deposit and spending history that meets our discretionary requirements to maintain access to the feature. BalanceUp overdraft limits of $20-$200 are provided at our sole discretion, and may be revoked any time, with or without notice. Please refer to our BalanceUP Service Disclosure for more details.

5 Early access to ACH transfer funds depends on the timing of the payer’s submission of transfers. Lili will generally post these transfers on the day they are received which can be up to 2 days earlier than the payer’s scheduled payment date.

6 Up to $1,000 per cardholder per 24 hours period. Some locations have lower limits and retailer fees may vary ($4.95 max). Note that Lili does not charge transaction fees.

7 Lili AI and other reports related to income and expenses provided by Lili can be used to assist with your accounting. Final categorization of income and expenses for tax purposes is your responsibility. Lili is not a tax preparer and does not provide tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors regarding your specific situation.

8 Lili does not charge debit card fees related to foreign transactions, in-network ATM usage, or card inactivity, or require a minimum balance. The Lili Visa® Debit Card is included in all account plans, and remains fee-free with the Lili Basic plan. Applicable monthly account fees apply for the Lili Pro, Lili Smart, and Lili Premium plans. For details, please refer to your Sunrise Banks Account Agreement.

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