Open Account

Banking designed for your business

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

Open Account

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

Join +200,000 business owners and entrepreneurs served by Lili

Which of the following are most important to you?

No Minimum
Balance

Business Debit
Card

No Hidden
Fees⁸

Build Your Credit Profile

Early Access to Payments⁵

Savings with 3.00% Annual Percentage Yield (APY)³

Open Account

BusinessBuild Program In collaboration with

Credit Building

Build your credit profile with every swipe

Monitor and build your business credit profile directly from your Lili account. With real-time score tracking, automatic reporting to Dun & Bradstreet, and a secured credit card, Lili makes it simple to strengthen your business foundation while you work. No credit check. No extra apps. No guesswork.*

Open Account

Business Banking

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

No hidden fees, no overdraft fees⁴, and no minimum deposit or balance required. Seamlessly send and receive money using standard and express ACH, domestic and international wire, or by integrating payment apps or external bank accounts. And grow your balance with a savings account that earns you 3.00% APY³.

Open Account

Accounting & Bookkeeping

Powerful accounting software that makes it easy to keep your books up to date.

Instantly categorize transactions to streamline your bookkeeping. Access auto-generated financial reports including expense, profit & loss and cash flow statements, and gain access to insights that provide you with an in-depth understanding of the financial status of your business².

Open Account

Award-winning platform

200K+

customers served

+$2B

deposited

4.7

Trustpilot rating

25+

business tools

Lili helps me stay on top of expenses with transaction categorization, set aside money for quarterly taxes using the Tax Bucket, and auto-save for unexpected costs.

Brian D. Muller Momentous Wealth Advisors

Lili handles my finances so I can spend more time working on my business and with my clients. I chose Lili because it's all just intuitive. I cannot imagine trying to manage my finances on my own on top of everything else... Lili is so, so helpful.

Anna Norman 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

Lili has transformed how I manage my business finances. The easy expense tracking, savings and tax buckets, and financial alerts keep me in control. Once I started using Lili daily, my income tripled.

Tiana Smith Tiana Smith Coaching

Your account is safe and secure

FDIC Insured

All Lili accounts are insured up to $250,000 through our partner bank, Sunrise Banks, N.A., Member FDIC.

Constant Control

Receive transaction alerts in real-time, access your Lili account from mobile or desktop anytime and instantly freeze your card from your Lili account.

Secure

Your Lili business account and Lili Visa® Debit Card are protected by industry-leading encryption software and security protocols, including fraud monitoring and multi-factor authentication.

3 steps and you’re in business

Get Started

Tell us about yourself

Fill in some basic personal information.

Tell us about your business

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

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.

*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.

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.

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.