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BalanceUp

Fee-free overdraft up to $200 on your debit card purchases1. Because we’ve got your back.

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Eligibility requirements apply.
BalanceUp, Overdraft Protection with No Fees

Overdraft up to $200

Not only do we not charge you a penalty fee when you’re already in a tough spot (that wouldn’t make any sense!) but we cover any overdraft on your Visa Business Debit Card up to $2001. Eligibility requirements apply.

Fee-Free Overdraft Protection with BalanceUp by Lili

How it works

When a purchase exceeds your balance, Lili covers the difference up to $2001

We’ll send you a notification to let you know that we covered your purchase

We’ll apply your next paycheck deposited into your Lili account to cover your negative balance

Related features

Cashback
Automatic Savings
Mobile Banking
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Frequently Asked Questions

Here’s everything you need to know about BalanceUp, Lili’s fee-free overdraft

Can I overdraw my Lili account?
Is there a fee for using BalanceUp?
How do I apply for BalanceUp?
What types of purchases can I make using BalanceUp?

3 minutes and you’re in business!

Opening a Lili account will have no impact on your credit score.

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Mon – Fri, 9am – 7pm EST

Banking services provided by our partner bank Choice Financial Group Inc. Member FDIC.

1 Available to Lili Pro account holders only, applicable monthly account fee applies. Please refer to our Terms and Conditions for details.

2 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 1st, 2022. No minimum balance required. Must have $0.01 in savings to earn interest.

3 Early access to direct deposit funds depends on the timing of payer’s submission of deposits. Lili will generally post these deposits on the day they are received which can be up to 2 days earlier than the payer’s scheduled payment date.

4 Up to $1,000 per 24 hours period and a maximum of $9,000 per month. Some locations have lower limits and retailer fees may vary ($4.95 max). Note that Lili does not charge transaction fees.

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