Special discount

Get 30 days free plus 40% off Lili Smart fee for 3 months

Get 40% off Lili Smart fee for 3 months

Banking designed for your business

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

Lili is a financial technology company, not a bank. Banking services are provided
by Choice Financial Group, Member FDIC, or Sunrise Banks, N.A., Member FDIC
No minimum balance, no hidden fees
No overdraft fees4, no minimum balance or deposit, and no ATM fees at 40,000+ MoneyPass locations.
Move money conveniently
Instantly send and receive money using Standard and Express ACH transfers. Safely connect payment apps or external bank accounts.
Lili Visa® Debit Card with Cashback Awards
Use your Lili Visa® Debit Card anywhere Visa® is accepted. Earn cashback1 on purchases at participating merchants at Visa SavingsEdge.
Savings account with 4.15% APY
Automate your daily savings and receive an extra boost to your savings account balance by earning 4.15% APY3.

Online banking, wherever you need it

Wherever you need to take care of your business banking, we’ve got you covered. Whether on our mobile or web app, Lili offers online banking at your fingertips.

The Visa business debit card and main screens of Lili's business banking mobile app and web platform, displaying the balance of a business checking account, automatic tax saving, the expense categorization feature, and estimated yearly tax savings.

Lili Visa® Debit Card

Convenient, secure, and free8.

Take care of your business expenses with your Lili Visa® Debit Card, fee-free8. It’s Visa®, so it’s accepted anywhere Visa® is accepted and is protected from unauthorized use. And, you’ll receive a digital card that you can add to your digital wallet.

The Lili Visa business debit card and the Lili mobile business banking app main screen, displaying an account balance and expense categorization

Multi-user access

With joint account access and a debit card for each owner, you get the shared financial control that you need to run your business.

When each business owner has access to your Lili account, financial management tasks can be distributed equally and handled more efficiently. And having a debit card for each business owner enhances real-time control over transactions and eliminates the risk of bookkeeping discrepancies.

Fee-free overdraft protection

Take some of the pressure off of your cash flow.

Benefit from the financial flexibility offered by BalanceUp, Lili’s fee-free overdraft protection. Any overdraft up to $200 on your Lili Visa® Debit Card is covered, because we know you can’t always plan for everything.

BalanceUp is a discretionary overdraft program for debit card purchases only. Eligibility conditions may apply, please see our Terms and Conditions for details.

Lili's BalanceUp feature, which offers fee-free overdraft up to 0 for Lili Pro, Lili Smart, and Lili Premium customers.
A Lili customer switching between the Lili accounts they opened for their different businesses

Multiple business accounts under a single login

Open Lili accounts for all of your businesses, and manage them all seamlessly from the Lili platform, using a single login

For entrepreneurs with multiple businesses, you can open a Lili account for each business (up to 4 businesses), and manage them using a single login. Managing all of your businesses in one platform means spending less time switching between banking platforms, and more time on growing your businesses.

Earn 4.15% APY from
your savings, and
boost your bottom line

Maximize your savings with a high-yield savings account that enables you to automate a set daily amount to transfer from your business checking account.

Earn 4.15% APY on savings account balances up to and including $100,0003.

"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

Frequently asked questions

How do I deposit a check into my Lili account?
Where can I withdraw cash using my Lili card?
How do I deposit cash into my Lili account?
How do I pay my bills from my Lili account?
Where can I withdraw money without paying a fee?
How do I apply for fee-free overdraft?
Can I accept wire transfers?
Does Lili offer joint business bank accounts?

You can easily deposit a check into your Lili account using the Lili platform.

Simply access Menu > Add Money > More options > Mobile Check Deposit, and follow the steps below:

  1. Sign the back of the check
  2. Write in the endorsement field on the back of the check “For Lili mobile deposit only.”
  3. Enter the amount of the check being deposited
  4. Take pictures of the front and the back of your check. Make sure to place your check on a dark, solid background.