Lili is an all-in-one mobile banking app designed for freelancers, offering premium banking services with no account fees and no minimum balance requirement. In addition to banking services, Lili offers smart tax tools and business solutions so you can easily stay in control of your finances, saving time and money.
Our mission at Lili is to empower freelancers by providing financial tools and services designed to improve their work, their life, and their balance. Our focus is on removing any hurdles that limit our customers’ ability to thrive. To accomplish this, we aim to provide a comprehensive financial management solution to the freelancer community, whose needs are not adequately served by traditional banking options.
Anyone 18 or older with a social security number and a U.S. address is welcome to apply for a Lili account!
Lili is specifically designed for independent workers and small business owners, so in order to get a Lili account, at least some of your income should be generated from alternative sources like freelance or gig work, or as an independent contractor or small business owner.
Lili offers mobile banking with no account fees, which means: no sign-up fees, monthly fees or annual fees. Lili also does not charge you at the ATM, although you are responsible for any ATM provider fees.
In addition to the fee-free Lili Standard account, Lili users have the option to upgrade to a Lili Pro account, which has a monthly fee of $4.99. Lili Pro includes a Premium Visa Business debit card with cashback rewards, fee-free overdraft, automatic savings (with 1% APY), among other features.
No hidden fees, easy account set-up (it takes less than 3 minutes), 24/7 access via our intuitive mobile app, no withdrawal fees from ATMs across the US (fees from ATM owner or other banks still apply), data-driven insights that help you manage your money, a debit card that gives back with Lili Visa SavingsEdge rewards, special functionality tailored to the unique needs of freelancers (like the ability to easily categorize business and personal expenses or automatically set aside a portion of every deposit into a sub-account for tax season) – all for free. Need we go on?
Lili’s banking services are provided by our partner bank, Choice Financial Group Inc., Member FDIC. More information about Lili’s partnership with Choice Financial Group can be found at lili.co/terms-conditions.
Yes – you can withdraw cash from your Lili account at ATMs anytime! Lili doesn’t charge withdrawal fees from more than 38,000 ATMs across the US. You can find the ATM closest to you using our Free ATM locator available in the Lili app.
You can invite your friends to join Lili by sharing your personal referral code with them (you can find your personal referral code in the “Invite and Earn” section in your Lili app menu).
When your friend joins Lili using your personal referral code and receives at least $250 in a single qualifying Direct Deposit within the first 45 days after signing up, both you and your friend will receive a $100 referral reward. You can receive a maximum of 10 referral rewards, so up to $1,000. You can find the full Terms and Conditions of Lili’s Referral Program here.
You can find the answers to many frequently asked questions in our Help Center.
If you still have any questions, our Customer Service team is here to help! We’re available Monday through Friday via email at [email protected]. Our hours of operation are Monday to Friday, between 9 AM and 7 PM EST. You can also check out our chat bot via the Lili mobile banking app, which is available to assist you 24/7!
There is nothing more important than protecting your information and privacy. In addition to your account being FDIC-insured by Choice Financial Group Inc., Member FDIC, we have multiple layers of security both on our website and within the Lili app to ensure the safety and integrity of your account and data.
There are important things you should do to keep things secure on your end, as well. Make sure you choose passwords that only you will know and if you have access to more sophisticated technology like Touch ID or facial recognition, use it!
If you notice a transaction that you don’t recognize, please follow the steps listed here.
If you don’t recognize a transaction in your Lili account, we urge you to temporarily freeze your card in order to avoid any other fraudulent transactions being posted in your account. You can do so as follows:
Log in to your Lili account via the mobile app
In the Menu, under Lili Card Settings, switch “Transactions are allowed” to off.
After following the above steps, you should contact us immediately by calling 855.545.4380.
Banking services provided by our partner bank Choice Financial Group Inc. Member FDIC.
* 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.