The main screen of Lili's business banking web platform, displaying the balance of a business checking account, automatic tax saving, Lili's fee-free overdraft BalanceUp, the expense categorization feature, and estimated yearly tax savings.

Banking designed for your business

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

Lili is a financial technology company, not a bank. Banking
services provided by Choice Financial Group, Member FDIC
Icon for no minimum balance, no hidden fees
No minimum balance, no hidden fees
No overdraft fees, no minimum balance or deposit, no foreign transaction fees, and no ATM fees at 38,000+ MoneyPass locations.
Send money icon
Move money conveniently
Instantly send and receive money using Standard and Express ACH transfers. Safely connect payment apps or external bank accounts.
Lili Visa business debit card icon
Visa® business debit card with cash back
All account holders can use their Lili Visa business debit card and earn cash back1 on purchases at participating merchants.
Savings Account with 4.15% APY
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.

How Lili compares to traditional banks

Minimum deposit
Overdraft fees
ACH fees
ATM fees
Foreign transaction fees
Incoming domestic wire transfers
Number of transactions
Lili
$0
$0
$0
$0 (in-network)
0%
$0
Unlimited transactions
Traditional banks
Up to $1500
$0-$36
$0-$1
$0-$30
2.7%-3%
$13-$20
Limits and/or fees

Visa business debit card

Convenient, secure, and free.

Take care of your business expenses with Lili’s Visa Business Debit Card, fee-free. It’s Visa, so it’s accepted everywhere 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

Fee-free overdraft protection

Take some of the pressure off of your cash flow.

Benefit from the financial flexibility offered by BalanceUp4, Lili’s fee-free overdraft protection. Any overdraft up to $200 on your Visa business 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 $200 for Lili Pro, Lili Smart, and Lili Premium customers.
"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.