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Business Banking Customer Support Comparison: Lili vs. Relay, Bluevine, Mercury, Novo, and Found

Published on: Oct 21, 2025, Last Updated: Oct 23, 2025

Choosing the right business banking platform isn’t just about fees and features. When you’re running a business, support matters just as much. You need real answers, fast—whether you’re locked out of your account, waiting on a wire, or sorting out tax documents.

Here, we compare customer support across Lili, Relay, Bluevine, Mercury, Novo, and Found to give you a clear picture of the differences.

Lili: Get answers faster with live human support and AI experts available 7 days a week.

Live human support, 7 days a week
Multi-channel access – phone, AI chat, and email
24/7 live AI support assistant – built-in automations to handle account actions and guide you to the right resources
Access to tax & accounting AI experts – get answers tailored to your account
Priority response & dedicated team – exclusive for Premium plan customers
Knowledge base & education – step-by-step how-to guides and financial learning resources

Lili vs. others comparison chart

Feature / Support Type	Lili	Relay	Bluevine	Mercury	Novo	Found
Phone Support	✅ (Mon–Fri)	Limited (Pro plans)	✅ (Weekdays only)	❌	❌	❌
Live Chat	✅ (Mon–Fri)	❌	❌	❌	❌	✅ (business hours)
Email	✅ (incl. weekends)	✅	✅	✅ (ticket-based system)	✅	✅
Weekdays Availability	Phone, chat, email, AI	Email / limited phone	Phone, email	Tickets	Email only	Chat, email
Weekends Availability	Email + AI	❌	❌	❌	❌	❌
AI Assistant	✅ 24/7	❌	❌	❌	❌	❌
AI Experts (Tax & Accounting)	✅	❌	❌	❌	❌	❌
Premium / Priority Options	✅ Priority for Premium users	Available on higher tiers	None	None	None	None

Relay: email-first support

Primarily email-and ticket-based support.
Phone support is available only for higher-tier plans.
Knowledge center with setup and troubleshooting articles.

Relay’s support model works for accountants managing multiple accounts, but solo business owners may find response times less immediate.

Bluevine: phone and email, weekdays only

Phone and email support available Monday–Friday, during business hours.
Online help center for common account and lending questions.
No weekend or evening coverage.

Bluevine offers traditional weekday coverage, but lacks round-the-clock availability.

Mercury: ticket system with limited live access

Support primarily handled through email tickets.
No weekend phone support.
Extensive self-service documentation and founder community.

Mercury focuses on digital-first support. Fast responses depend on the complexity of the issue, and businesses needing urgent help may find it limiting.

Novo: email-only support

Customer service available by email, no phone support.
Growing self-service help library.
Business owners report slower turnaround times during peak periods.

Novo keeps costs low with an email-only model, but the lack of live help can be a challenge if urgent issues come up.

Found: chat and help center

In-app chat support during business hours.
No phone support option.
Large focus on FAQs and self-service education.

Found makes support simple through chat and articles, but business owners who prefer speaking with someone directly don’t have that option.

Which platform stands out?

If support is a priority, Lili provides the most complete coverage with live human support seven days a week—something competitors can’t match. Relay and Bluevine offer solid options if weekday coverage is enough, while Mercury, Novo, and Found lean heavily on email and self-service tools.

For business owners who don’t have time to wait on tickets, Lili delivers the fastest and most reliable way to get help, whenever you need it.

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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.

*BusinessBuild is an add-on feature available to all Lili Accounts, except sole proprietorships. After a one-month free trial, account holders will be charged $18 per month for the next three months, then $30 per month thereafter. By integrating your Lili Account through the D&B Credit Insights banking integration feature, there may be potential for you to positively impact your Delinquency and Failure Scores. Dun & Bradstreet requires a minimum of six months of business banking transaction history to be able to potentially impact these scores.

Customers must be enrolled in the BusinessBuild feature to access the Lili BusinessBuild Card (Card). Lili App Inc. (Lili) partners with CapitalOS and First Internet Bank of Indiana, Member FDIC, for the Card. Lili is a financial technology company, not a bank or lender. CapitalOS is a financial technology company and lender, not a bank. CapitalOS or one of its affiliates is the lender, and Cards are issued by First Internet Bank of Indiana, pursuant to a license from Visa U.S.A. Inc.

¹Eligibility 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 January 1, 2025. Must have at least $0.01 in savings to earn interest. The APY applies to balances of up to and including $1,000,000. Any portions of a balance over $1,000,000 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.

⁴BalanceUp 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.

⁸Lili 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.

⁹International wire transfers are only available to legal entity customers (LLCs, corporations, and partnerships). Transfers can be made to and from select countries. Please check your app for the most up to date list. Fees apply. Learn more here Sunrise Banks Account Agreement.