Banking designed for your business

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

30 days free plus 50% off Lili Smart plan fee for 3 months*
Use code NAV50

Get Started
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

Business Debit
Card

No Hidden
Fees

Multi-User
Access

Early Access to Payments

Savings1 with 3.0% APY3

Get Started

Exclusive discount

30 days free plus 50% off Lili Smart plan fee for 3 months*

Lili Smart includes accounting software that streamlines your daily bookkeeping, makes getting paid a breeze, and keeps you in control of your cash flow.

Use code NAV50

Get Smart

For further information about the Lili Smart plan, please see Lili’s terms & conditions.
*Discount is available for new customers only

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% Annual Percentage Yield3.

Get Started

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.

Get Started

Choose the plan that works for your business

Lili Premium

$55/month
$55/month

$0 Minimum Deposit | 30 Day Free Trial

Plan Highlights:

  • Advanced Business Checking Account
  • Metal Visa® Business Pro debit card
    with Cash Back Rewards
  • Fee-free ATM 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% APY2 on Savings
  • Dedicated Account Specialist
  • Priority Customer Support
  • Grant account access to multiple teammates

Premier Priority Service

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

Smart Bookkeeping

  • Instantly sort income and expense
    transactions into tax categories
  • Predictive transaction categorization
    powered by Lili AI
  • Attach receipts to expenses, add notes

Financial Reports

  • On-demand reporting including
    profit & loss and cash flow statements

Bill Pay

  • Scan or upload bills
  • Manage vendors & track bills
  • Pay instantly & directly from your account

Unlimited Invoices and Payments

  • Easily create and send invoices
  • Accept payments instantly
  • Track invoices and send reminders

Tax Reports (1065/1120-S/Schedule C)

  • Optimize your tax deductions with
    pre-filled business tax forms.
Get Premium
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Recommended

Lili Smart

$35/month
$35/month

$0 Minimum Deposit | 30 Day Free Trial

Plan Highlights:

  • Advanced Business Checking Account
  • Visa® Business Pro debit card
    with Cash Back Rewards
  • Fee-free ATM 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% APY2 on Savings
  • Grant account access to multiple teammates

Smart Bookkeeping

  • Instantly sort income and expense
    transactions into tax categories
  • Predictive transaction categorization
    powered by Lili AI
  • Attach receipts to expenses, add notes

Financial Reports

  • On-demand reporting including
    profit & loss and cash flow statements

Bill Pay

  • Scan or upload bills
  • Manage vendors & track bills
  • Pay instantly & directly from your account

Unlimited Invoices and Payments

  • Easily create and send invoices
  • Accept payments instantly
  • Track invoices and send reminders

Tax Reports (1065/1120-S/Schedule C)

  • Optimize your tax deductions with
    pre-filled business tax forms.
Get Smart
Tap to see more
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Lili Pro

$15/month
$15/month

$0 Minimum Deposit | 30 Day Free Trial

Plan Highlights:

  • Advanced Business Checking Account
  • Visa® Business Pro debit card
    with Cash Back Rewards
  • Fee-free ATM 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% APY2 on Savings

Expense Management Tools & Reports

  • Organize your expense transactions
    into tax categories
  • Attach receipts to expenses, add notes
  • Easily generate monthly expense reports
Get Pro
Tap to see more
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Lili Basic

$0/month
$0/month

$0 Minimum Deposit

Plan Highlights:

  • Business Checking Account
  • Visa® Business debit card
  • Fee-free ATM withdrawals at 38K locations
  • Get paid up to 2 days early
  • Domestic and international wire transfers9
  • Automatic Savings
Get Basic
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Tap to see less

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
Open Account
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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