Head-to-Head
Lili Business Account
Startup/SMB digital checking with $0 Core fee, team access, Green Dot cash, savings APY, and IntraFi sweep to $3M
VS
Meow Business Banking
Treasury + high coverage + free wires for startups/funds; not a cash or branch bank
Monthly Fee
Core $0. Pro $15/mo or $144/yr. Smart $35/mo or $336/yr. Premium $55/mo or $528/yr. Subscription fees, not balance-waivable.
Marketed $0. CRB published fee schedule: no fees currently imposed (reserves right to add with notice).
Checking APY
None — non-interest-bearing on all tiers
Rating
8.4/10
8.5/10
Costs & Fees
| Metric | Lili Business Account | Meow Business Banking |
|---|---|---|
| Monthly maintenance | Core $0. Pro $15/mo or $144/yr. Smart $35/mo or $336/yr. Premium $55/mo or $528/yr. Subscription fees, not balance-waivable. | Marketed $0. CRB published fee schedule: no fees currently imposed (reserves right to add with notice). |
| Fee waiver | No balance waiver on paid plans. Occasional new-applicant discounts not in fee table. | N/A — no published maintenance fee to waive |
| Transaction fees | Unlimited electronic items on published schedule. Priced extras: Express ACH, outgoing wires, Mail-a-Check, OON/international ATMs, plan subscription. | No published excess-item grid. Marketed unlimited free wires/ACH/checks. ToS: discretionary daily/weekly/monthly payment limits. |
| Overdraft/NSF | Overdraft fee $0. Returned item (EFT) $0. Deposited-check returned $0. BalanceUp (Pro+ only) is discretionary courtesy pay $0–$200, not guaranteed coverage. | CRB DAA contemplates NSF/overdraft per fee schedule; current schedule lists no fees imposed. Amounts not disclosed. |
| ATM fees | MoneyPass in-network $0 Lili fee. OON domestic $2.50 + surcharge. International ATM $5 + surcharge. Intl balance inquiry $2.50. No rebate. | Not disclosed — no ATM network advertised |
| Wire/ACH | Incoming domestic wire $0. Outgoing domestic $15. Incoming intl $15 + correspondent FX. Outgoing intl $25 + 1% commission on USD principal + correspondent markup. Standard ACH $0. Express ACH 1.5%, min $0.50, max $20. | Incoming/outgoing domestic wires marketed $0. Incoming/outgoing international wire bank fee marketed $0 (FX separate via Airwallex 0.16%–1.00% margin). ACH marketed $0. |
Interest & Yields
| Metric | Lili Business Account | Meow Business Banking |
|---|---|---|
| Checking APY | None — non-interest-bearing on all tiers | |
| Savings APY | 2.25% APY on portion up to $500,000; 4.00% on portion $500,000.01–$1,000,000; 0.00% above $1,000,000. Blended by tranche. All plans including Core. | |
| FDIC coverage | Standard FDIC $250,000 at Sunrise Banks, N.A. per depositor per ownership category | Standard FDIC $250,000 SMDIA per depositor per ownership category at partner bank |
Features & Access
| Metric | Lili Business Account | Meow Business Banking |
|---|---|---|
| Branch/ATM network | No branches. MoneyPass 38,000–40,000+ ATMs for cash withdrawal only. No ATM cash deposit. | None. Partner banks not offered as walk-in network. No ATM network or cash rails. |
| Mobile app | CreditDonkey Jul 2026: ~4.6 iOS / ~4.1 Android — re-check live stores | No first-party mobile app by design (blog May 2026). Web dashboard + API + MCP. |
| Virtual cards | Digital debit yes; dedicated virtual-card/spend-control suite not disclosed | Included — unlimited virtual/physical, merchant lock, category limits, API |
| Opening deposit | $0 | $0 marketed for core checking |
| Eligibility | Sole prop (incl. DBA), LLC, GP, LLP, S-Corp, C-Corp, 501(c)(3) nonprofit. Not B-Corps, non-501(c)(3) tax-exempts, trusts. International: no sole props. | Business entities; commercial use only; no consumers. Startups, funds, real estate, crypto-native marketed. Nonprofit/SPV not enumerated. |
Pros & Cons
Lili Business Account
Pros
- Core $0 with no min balance and $0 NSF/OD fee (Appendix A, Jul 2, 2025)
- Savings APY 2.25%/4.00% by tranche through $1M on all plans (rate sheet Jan 13, 2026)
- IntraFi sweep advertised to $3M via Sunrise + program banks
- Team/accountant roles and up to five businesses per login without per-seat fees
- Incoming domestic wires $0; debit card foreign-transaction fee $0; intl founder path (passport + EIN)
Cons
- Checking earns 0%; 4.00% applies only to $500k–$1M savings slice
- Cash deposits via Green Dot (retailer fee up to $4.95) capped at $5,000/month per cardholder
- Outgoing wires $15 domestic / $25 + 1% international; Express ACH 1.5%
- Invoicing and bill management require Smart ($35) or Premium ($55)
- No branches, no ATM cash deposit, no published RTP/FedNow or treasury API
Meow Business Banking
Pros
- Marketed $0 monthly, domestic/international wires, ACH, and checks (CRB schedule currently $0)
- IntraFi sweep advertised up to $125M–$200M at partner banks
- Treasury stack: T-bills at 1 bp/month marketing; Commercial Paper 3.56%–3.80% net (09/02/2026)
- Multi-entity dashboard, payment approvals, public API + MCP, USDC/USDT rails
- Virtual/physical cards with controls; 2.5% rewards on Anthropic/OpenAI spend
Cons
- Meow is not a bank; partner banks have rotated (FirstBank/OMB/Third Coast/CRB/Grasshopper)
- Checking APY tiered and partner-specific (Grasshopper 0.50%/3.02%); CRB may be 0% + rewards; not CP headline rate
- No cash, no branches, no official mobile app
- No complete public fee PDF; insurance max and eligibility language conflict across pages
- Thin reviews (Trustpilot 3.6/16); closures and holds in complaint set
Verdict
Lili Business Account
Lili Business Checking is a four-tier digital SMB package from Lili App Inc. with deposits at Sunrise Banks, N.A., wires via Column, cash via Green Dot, and IntraFi sweep to $3M. Core $0; Pro $15, Smart $35, Premium $55 sell software not cheaper banking. Checking 0% APY; linked savings pays 2.25% to $500k and 4.00% $500k–$1M (Jan 13, 2026). ACH and MoneyPass ATM free; outgoing wires $15/$25+1%; Express ACH 1.5%. Team roles on all plans. Strong for digital SMBs and intl founders with U.S. entity; weak for cash-heavy ops and multi-currency treasury.
Meow Business Banking
Meow Technologies is a fintech with checking at Cross River and Grasshopper. Marketed $0 monthly/wires/ACH/checks; CRB schedule currently $0 but incomplete public fee book. Grasshopper checking APY 0.50% to $100k and 3.02% above — not Commercial Paper 3.56–3.80%. IntraFi up to $125M–$200M advertised. No cash, no mobile app. API, stablecoins, and treasury are differentiators; partner rotation and disclosure gaps require diligence.