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

Get 40% off Lili Smart fee for 3 months
See plans & pricing

Banking designed for your business

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

Get Started
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.
Speed up your cashflow
Send and receive funds faster with Express ACH, wires9, and expedited checks.
Lili Visa® Debit Card with no FX fees
Use your Lili Visa® Debit Card anywhere Visa® is accepted free from foreign transaction fees or exchange rates8.
Savings account with up to 4.00% APY
Set up automatic transfers from your business checking and grow your savings all the way to $1M3.
FDIC Insurance up to $3M. Your funds, fully protected.

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.

Team access

Collaborate efficiently and delegate financial tasks smarter with secure, role-based access.

Let partners and team members manage payments and bookkeeping while accountants get read-only access to reports. Set permissions to keep finances organized and ensure everyone has the right level of access.

Fast payments

Accelerated transfers to support ongoing business operations.

Send and receive funds via Express ACH, wires, and expedited checks. Accelerate transfers from merchant accounts and ecommerce platforms.

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 up to 4.00% APY — 9× the national average3

Earn more on every dollar you save. Start earning 2.50% APY from your first dollar—and 4.00% APY on each dollar above $500K. Set up recurring transfers from your checking account and let your savings grow automatically.

Get Started

Small businesses trust Lili to simplify their business finances

“Lili has helped me stay on top of expenses, set aside money for quarterly taxes using the Tax Bucket, and auto-save for unexpected costs.”
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 a 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?

Upgrade how you manage your business finances

Banking, business credit, and accounting—together in one powerful platform, built for entrepreneurs who expect more.

Get Started

Contact Us

Live support, 7 days a week

Email us at [email protected]

Products
Banking Business Credit Accounting Tax Preparation Lili AI Non U.S. Residents
Company
About Us Customers Reviews Plans Press & Media Partners Careers
Learn
Blog Lili Academy Accounting Hub Tax Hub Guide to LLCs Comparisons
Support
Help Center FAQs Legal Documents Fee Schedule

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.

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 November 13, 2025. Must have at least $0.01 in savings to earn interest. 2.50% APY applies to balances of up to and including $500,000. 4.00% APY applies to balances over $500,000 and 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.

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.

9 International 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.

© 2025 Lili App Inc. All Rights Reserved.

Discover how effortless business finance can be

Take a quick tour of the tools inside the Lili account. Banking, bookkeeping, invoicing, and taxes, all in one place.

Explore Demo