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
Streamline your business operations
with seamless integrations

Which of the following are most important to you?

No Minimum Balance

Zero hold days on checks5

Multi-User Access

No Hidden Fees

Business Debit Card

Savings1 with 3.0% APY2

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Business Banking

A business checking account that you open in minutes, so you can focus on what’s next.

No hidden fees, no overdraft fees, and no minimum deposit or balance required. Seamlessly send and receive money using Standard and Express ACH, or by integrating payment apps or external bank accounts. Receive domestic wire transfers fee-free and without limits on the amount or number of transfers. And grow your balance with a savings account that earns you 3.65% APY2.

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Accounting & Bookkeeping

A bank account that takes care of your business accounting, so you can focus on growing the business you love.

Instantly categorize transactions to streamline your bookkeeping. Access auto-generated financial reports including expense, profit & loss and cash flow statements3, and gain access to insights that provide you with an in-depth understanding of the financial status of your business.

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Choose the plan that works for your business

Lili Premium

$33/mo
$33/mo

Was $55/mo

40% off for 3 months

$0 Minimum Deposit | 30 Day Free Trial

Premier Priority Service

  • Front of the line experience with priority support and a dedicated account specialist

Business Banking

  • Advanced Business Checking Account
  • Lili Visa® Debit Card8 – Metal with Cashback Awards through Visa SavingsEdge
  • Fee-free ATM6 withdrawals at 38K locations
  • Get paid up to 2 days early
  • Domestic and international wire transfers9
  • Fee-free Overdraft up to $2004
  • 3.00% APY3 on Savings
  • Grant account access to multiple teammates

Accounting Software

  • Income and expenses: Organize your business transactions
  • Bookkeeping automation: Predictive transaction categorization powered by Lili AI
  • Receipt capture: Add receipts and notes to expenses
  • Enhanced reporting: On-demand reports including profit & loss and cash flow statements
  • Invoice and payments: Easily create and send unlimited invoices, track invoices status and send reminders, accept payments instantly
  • Bill management: Auto-scan your bills and pay them instantly

Tax Preparation Software

  • Tax savings: Automatically allocate funds towards tax payments
  • Tax deductions: Instantly sort transactions into tax categories
  • Pre-filled business tax forms: 1065/1120-S/Schedule C
Get Premium
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Recommended

Lili Smart

$21/mo
$21/mo

Was $35/mo

40% off for 3 months

$0 Minimum Deposit | 30 Day Free Trial

Business Banking

  • Advanced Business Checking Account
  • Lili Visa® Debit Card8 with Cashback Awards through Visa SavingsEdge
  • Fee-free ATM6 withdrawals at 38K locations
  • Get paid up to 2 days early
  • Domestic and international wire transfers9
  • Fee-free Overdraft up to $2004
  • 3.00% APY3 on Savings
  • Grant account access to multiple teammates

Accounting Software

  • Income and expenses: Organize your business transactions
  • Bookkeeping automation: Predictive transaction categorization powered by Lili AI
  • Receipt capture: Add receipts and notes to expenses
  • Enhanced reporting: On-demand reports including profit & loss and cash flow statements
  • Invoice and payments: Easily create and send unlimited invoices, track invoices status and send reminders, accept payments instantly
  • Bill management: Auto-scan your bills and pay them instantly

Tax Preparation Software

  • Tax savings: Automatically allocate funds towards tax payments
  • Tax deductions: Instantly sort transactions into tax categories
  • Pre-filled business tax forms: 1065/1120-S/Schedule C
Get Smart
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Lili Pro

$9/mo
$9/mo

Was $15/mo

40% off for 3 months

$0 Minimum Deposit | 30 Day Free Trial

Business Banking

  • Advanced Business Checking Account
  • Lili Visa® Debit Card8 with Cashback Awards through Visa SavingsEdge
  • Fee-free ATM6 withdrawals at 38K locations
  • Get paid up to 2 days early
  • Domestic and international wire transfers9
  • Automatic Tax Savings
  • Fee-free Overdraft up to $2004
  • 3.00% APY3 on Savings

Expense Management Tools & Reports

  • Organize your expense transactions
    into tax categories
  • Attach receipts to expenses, add notes
  • Easily generate quarterly and annual expense reports
Get Pro
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Lili Basic

$0/month
$0/month

 

$0 Minimum Deposit

Business Banking

  • Business Checking Account
  • Lili Visa® Debit Card8
  • Fee-free ATM6 withdrawals at 38K locations
  • Get paid up to 2 days early
  • Domestic and international wire transfers9
  • Automatic Savings
Get Basic
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Join over 200K small businesses who have chosen Lili

Excellent
4.7 TrustScore
Business banking simplified
Lili is so helpful for running a small business. They take tasks and simplify them.
Noa West
Banking & Bookkeeping
Lili takes 5 jobs and puts them into 1 that can be done at the end of each day.
Chaz Morris
Your personal banker
A lot of small business owners don't have the ability to have a personal banker, but with Lili you have one in your pocket.
Momodou N’jie
Makes tax-prep seamless
Having available resources to track my business finances and conveniently set aside tax expenses.
Christine V Molnarffy
A lot of small business owners don't have the ability to have a personal banker, but [with Lili] you have one in your pocket.
Momodou N’jie Founder & Partner, Mo Partners

Account security you can rely on

FDIC Insured

All Lili accounts are insured up to $250,000 through our partner banks, Choice Financial Group, Member FDIC, or Sunrise Banks, N.A., Member FDIC.

Constant Control

Receive transaction notifications as they happen and instantly freeze your card from the app if something looks off.

Secure

Lili uses industry-leading security and encryption software and constantly focuses on providing you a more secure experience.

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

Call or Email Our Support Team

Mon – Friday, 9am – 8pm ET

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 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.

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.

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