Smarter banking for your U.S. e-commerce business

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Smarter banking for your U.S. ecommerce business

Apply 100% online in minutes, no SSN required

Wire transfers with flat, competitive fees

Visa® Debit Card, free from foreign transaction fees or exchange rates

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

As Featured In

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 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 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 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

The all-in-one solution that keeps your
business ahead.

Get more from your business banking.

Lili gives you and your team everything you need to move money fast, manage cash flow, and grow —without hidden fees or paperwork.

Receive international payments in as fast as 24 hours

Expedited ACH and check deposits

Earn 3.00% APY on your business savings³

Authorize virtual and physical debit cards for your business partners

Pay and get paid. Fast, simple, done.

Manage all your business payments effortlessly—locally and internationally.²

Send invoices with multiple payment options

Pay vendors internationally with efficient bill pay.

Run payroll seamlessly with built-in integration

Banking & accounting. Finally in sync.

Skip the tax stress. Get a powerful accounting platform that auto-categorizes transactions, sets aside taxes, and maximizes deductions—so you keep more of what you earn.²

Automated tax savings to keep you audit-ready

One-click financial reports for total organization

AI-powered insights to drive smarter decisions

Award-winning platform.

200K+

customers served

+$2B

deposited

4.7

Trustpilot rating

25+

business tools

Seamless integrations

Connect all your essential tools, sync external credit cards, and link accounts for hassle-free management.

Smart banking for modern businesses.

Certain features are subject to your plan².

No hidden fees

No overdraft fees

No minimum balance

100% online application

3.00% APY on savings

Role-based permissions

Gusto integration for payroll

Receipts capture

Customizable reports

AI-driven account insights

Professional invoices

Bill pay management

Traditional Banks

Top-tier security that keeps your business safe.

All Lili accounts are protected by industry-leading encryption software and security protocols, including fraud monitoring and multi-factor authentication.

Frequently asked questions

How quickly can I open a Lili Business checking account?

Can I send and receive international payments with Lili?

Does Lili offer a savings account?

How much does it cost to open a Lili Business account?

What integrations does Lili support?

Can I open multiple business accounts with Lili?

Does Lili offer team access for employees or accountants?

How does Lili keep my account secure?

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.

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.