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
North One Business Banking
$0 Standard checking + APY if you spend $500 on the debit card; envelopes + integrations; weak cash / no international wires
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.
Standard: $0. Plus: $30/month or $300/year. Not balance-waivable. Unpaid Plus cycle → downgrade to Standard.
Checking APY
None — non-interest-bearing on all tiers
Standard: 2.50% (rate 2.47%) on first $250,000 ADB. Plus: 3.00% (rate 2.96%) on first $250,000 ADB. Above $250k: 0.00%.
Rating
8.4/10
8.2/10
Costs & Fees
| Metric | Lili Business Account | North One 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. | Standard: $0. Plus: $30/month or $300/year. Not balance-waivable. Unpaid Plus cycle → downgrade to Standard. |
| Fee waiver | No balance waiver on paid plans. Occasional new-applicant discounts not in fee table. | N/A on Plus — hard subscription. Standard already $0. |
| Transaction fees | Unlimited electronic items on published schedule. Priced extras: Express ACH, outgoing wires, Mail-a-Check, OON/international ATMs, plan subscription. | No excess-item fees on standard ACH, card, deposits. Flat subscription + listed item fees only. |
| 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. | $0 NSF/overdraft. Insufficient funds → declined/returned. No overdraft protection offered. |
| ATM fees | MoneyPass in-network $0 Lili fee. OON domestic $2.50 + surcharge. International ATM $5 + surcharge. Intl balance inquiry $2.50. No rebate. | Allpoint: $0 North One fee. OON: $2.50 + operator surcharge. Rebates discretionary (request within 60 days). Standard: marketing 2 OON reimbursements/mo; Plus: up to 6. |
| 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 domestic wire $0, unlimited count. Outgoing domestic $20 (Standard) / $15 (Plus). International wires rejected. Standard ACH in/out $0. |
Interest & Yields
| Metric | Lili Business Account | North One Business Banking |
|---|---|---|
| Checking APY | None — non-interest-bearing on all tiers | Standard: 2.50% (rate 2.47%) on first $250,000 ADB. Plus: 3.00% (rate 2.96%) on first $250,000 ADB. Above $250k: 0.00%. |
| 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. | N/A — Envelopes are designations on same deposit balance, not separate savings APY |
| FDIC coverage | Standard FDIC $250,000 at Sunrise Banks, N.A. per depositor per ownership category | Standard FDIC $250,000 per depositor per ownership category at The Bancorp Bank, N.A. |
Features & Access
| Metric | Lili Business Account | North One Business Banking |
|---|---|---|
| Branch/ATM network | No branches. MoneyPass 38,000–40,000+ ATMs for cash withdrawal only. No ATM cash deposit. | No branches. Allpoint ~55,000+ (withdrawal $0). Cash deposit via Green Dot retailers (Walgreens, CVS, Walmart, 7-Eleven). No teller/night drop. |
| Mobile app | CreditDonkey Jul 2026: ~4.6 iOS / ~4.1 Android — re-check live stores | North One - Business Banking iOS ~4.7 (~2.8k ratings); Android 3.9 (~1.85k reviews). Android login-failure complaints noted. |
| Virtual cards | Digital debit yes; dedicated virtual-card/spend-control suite not disclosed | Included — team cards, freeze, permissions |
| Opening deposit | $0 | $0 marketing / $50 in reviews — confirm in app |
| 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. | Sole prop, partnership, LP, LLP, LLC, corporation. Nonprofits explicitly excluded. Not for personal/household purposes. |
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
North One Business Banking
Pros
- Standard $0 with no min-balance fee and $0 NSF/overdraft (declines instead)
- Checking APY 2.50% / 3.00% on first $250k if $500/mo debit spend — rare among $0 business checking
- Incoming domestic wires $0, unlimited count
- Unlimited Envelopes + QBO and processor connections on both plans
- Same-day ACH and mailed checks $0 on Plus; inbound RTP up to $1M per payment
Cons
- No international wires (rejected)
- Green Dot cash cap $5,000/month; retailer fees after 1–3 reimbursements
- APY 0% above $250k; no extended FDIC sweep
- APY requires $500 monthly card spend — not park-and-earn
- Plus hard $30/$300 subscription; BBB F and freeze/closure complaints; weaker Android ratings
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.
North One Business Banking
North One is a Bancorp-partnered fintech with Standard $0 and Plus $30/$300. Conditional APY 2.50%/3.00% on first $250k requires $500 monthly debit spend. Incoming wires free; outgoing $20/$15; intl wires rejected. Green Dot cash capped $5k/mo. Envelopes and processor rails are differentiators but envelopes are labels not sub-accounts. Hard fails: cash-heavy, intl, nonprofits, non-resident founders, treasury above $250k.