Finally, the rate your savings deserve.

Turn on high-yield savings in your Lili account and earn a consistently competitive rate to maximize your returns3. Your savings are FDIC insured¹² with no minimums or maintenance fees.

Open Account
Lili is a financial technology company, not a bank.
Banking services are provided by Sunrise Banks, N.A., Member FDIC

200K+
businesses served

Your bank is earning off your cash. You're not.

A Lili U.S. Bank account lets you get paid by U.S. customers, hold funds in USD, pay suppliers worldwide, and run your company like a local – without the hurdles that usually come with banking from abroad.

High-yield savings, built in

Earn up to 4.00% Annual Percentage Yield (APY)³ on your business cash.

Start earning immediately

Your first dollar earns interest the same day it lands. No waiting around.

Move your money whenever

Shift cash between checking and savings in seconds. No lockups, no penalties, no limits.

No fees, no minimums

$0 to open, $0 to keep it open.14

FDIC coverage up to $3M

Twelve times what a single bank account gets you.¹²

It's already in your Lili account

No new account number, no second app, no extra paperwork.

avatar
Rhet Dooley US
“Easy and savings that pay a real interest rate”
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M. US
“The fact that I can move something from a checking to a savings account is cool.”

See what your cash could be earning

At the national average of 0.38% APY*, $750,000 earns about $2,850 a year. With Lili’s tiered rate, the same amount earns about $21,250 instead – more than 7x as much.

Annual earnings
Balance
$1k
Annual earnings
$50,000
$5.6k
Annual earnings
$250,000
$11.2k
Annual earnings
$500,000
$21.2k
Annual earnings
$750,000
$31.2k
Annual earnings
$1,000,000
Balance
Open Account
avatar_p
Prince US
“I'm about to open a savings with them now that provides 4% APY which is higher than any other savings offers that I have seen thus far. This is a great and smart bank!”

How Lili stacks up**

 
Lili
Traditional Banks
Other Online Business Savings
APY
Up to 4.00%³
0.38% avg
Varies — often promotional or tiered
Minimum balance
$0
Often $300+
Often $0–$25,000 to earn top rate
Monthly fee
$0
Often $3+
Varies
FDIC coverage
Up to $3M¹²
$250K
Usually $250K
Lockups / penalties
None
None
Sometimes (bonus clawbacks, bundling requirements)
Getting started
One account, minutes online
Days, often a branch visit
Minutes, but a second application
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Alexis US
“The biggest thing for us was the FDIC limits that you don't get at standard banks. Also, the matching on the savings account was higher than standard banks as well.”

FAQs

Do I need to open a separate account?
Is there a minimum balance?
Can I get my money out anytime?
How is my money protected?
How often do I actually earn?

How to open your Lili account

number_1

Add your business info

EIN, formation documents, and a government-issued ID.

number_2

Get verified

Most businesses are approved online in minutes.

number_3

Start saving

No branch visit, no paperwork delays.

Running a US LLC or Corp from abroad? You can open the same way, with a passport and EIN, no US SSN or US visit required. Available to owners in qualifying countries.

Your cash could be earning right now. Let's fix that.

Takes minutes. No minimums.

Open a Free Lili Account
Lili is a financial technology company, not a bank.
Banking services are provided by Sunrise Banks, N.A., Member FDIC

Contact Us

Live support, 7 days a week

Email us at [email protected]

Lili App Inc.
PO Box 1809, New York, NY 10156

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.

* Source: FDIC National Rates and Rate Caps, September 2026.

** Competitor rates and fees based on publicly published information from US Bank, Wells Fargo, Axos Bank, and Live Oak Bank as of September 2026; subject to change without notice. Live Oak’s 2.85% APY is also cited by NerdWallet.

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 January 13, 2026. Must have at least $0.01 in savings to earn interest. 2.25% 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 all Lili plans.

4 Reserved.

5 Reserved.

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. See the Master Fee Schedule, Appendix A to the Sunrise Banks Account Agreement for more detail.

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.

10 Access to capital is provided by our partners that offer business loans or lines of credit. Lili is a financial technology company, not a bank or lender. Underwriting required.

11 Expedited availability of funds is based on individual circumstances.

12 FDIC insurance only covers the failure of an FDIC insured bank. The standard FDIC deposit insurance limit is $250,000 per depositor, per FDIC insured bank, per ownership category through Sunrise Banks, N.A and the sweep program banks. See Sunrise Banks Account Agreement and Addendum to Sunrise Banks Account Agreement.

13 BusinessBuild is an add-on feature available to all Lili Accounts, except sole proprietorships and non-US citizens. After a one-month free trial, account holders will be charged $18 per month for the next three months, then $30 per month thereafter. Monthly BusinessBuild payments are reported to Dun & Bradstreet and may help build your business credit profile. Late or missed payments may negatively impact your profile. 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.

14 The Core banking account has no monthly fee. Monthly fees apply to the Pro, Smart, and Premium accounts. See the fee schedule here for details.

15 To learn more about our fees, please check out our fee schedule here.

16 Figures based on a Lili survey conducted between January 1, 2025 to January 1, 2026. Information available upon request.

© 2026 Lili App Inc. All Rights Reserved.