Lili Business Account
Startup/SMB digital checking with $0 Core fee, team access, Green Dot cash, savings APY, and IntraFi sweep to $3M
Costs & Fees
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.
Fee waiver: No balance waiver on paid plans. Occasional new-applicant discounts not in fee table.
Transaction fees: Unlimited electronic items on published schedule. Priced extras: Express ACH, outgoing wires, Mail-a-Check, OON/international ATMs, plan subscription.
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.
ATM fees: MoneyPass in-network $0 Lili fee. OON domestic $2.50 + surcharge. International ATM $5 + surcharge. Intl balance inquiry $2.50. No rebate.
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.
Cash deposit: Lili fee $0. Green Dot retailer typically up to $4.95/deposit. Limits $1,500/day, $3,500/week, $5,000/month per cardholder. No ATM cash deposit.
Interest & Yields
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
Access, Features & Tools
Access
Branch/ATM: No branches. MoneyPass 38,000–40,000+ ATMs for cash withdrawal only. No ATM cash deposit.
Mobile app: CreditDonkey Jul 2026: ~4.6 iOS / ~4.1 Android — re-check live stores
Cash deposits: Green Dot Reload@Register at ~90,000+ retail locations (Walmart, CVS, Walgreens, 7-Eleven). Retailer fee up to $4.95. Post in minutes.
Features
Invoicing/bill pay: Invoicing Smart & Premium. Bill Pay fee $0 but Bill Management Smart & Premium.
Virtual cards: Digital debit yes; dedicated virtual-card/spend-control suite not disclosed
International: USD operating account. International wires in selected corridors. Debit card $0 Lili FX fee. Not multi-currency wallet balances.
Integrations
- ✓ QuickBooks (push from Lili — included connection)
- ✓ Xero (connect/import)
- ✓ Stripe, Shopify, Gusto, Square, Etsy, eBay
Limits & Requirements
Opening deposit: $0
Minimum balance: $0 published. Positive balance required. Zero-balance + no activity 180 days or 12 months dormant with balance can trigger closure.
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.
Best for: No monthly fee (Core) Savings APY tiered FDIC sweep up to $3M Team access included International founders (partial) Sole prop friendly Green Dot cash Incoming wires free
Pros & Cons
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
Strong Pick (SMB/sole prop or intl founder with U.S. entity wanting $0 Core + savings APY)
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.