Lili

Overview

Lili is a business banking platform whose accounts are provided by Sunrise Banks, N.A., Member FDIC, with wire transfers handled by Column Bank N.A.^[18]. Deposits are insured up to $3 million through a sweep network^[18]. The free Core plan includes checking and a savings account that pays 2.25% APY on balances up to $500,000 and 4.00% on balances above $500,000 up to $1 million; balances above $1 million earn nothing^[18].

Paid plans add accounting features progressively: Pro ($15 a month) adds tax-category expense sorting, receipts and automatic tax set-asides; Smart ($35) adds bookkeeping, profit-and-loss and cash-flow reports, unlimited invoicing and bill management; Premium ($55) adds a priority specialist and a metal debit card^[17]. Each paid plan has a 30-day free trial, and a BusinessBuild credit-building add-on costs $30 a month after an introductory period^[17]. Lili states that in-network ATM use is free but does not name the network on its plans page^[17]. Like Found, Lili targets freelancers and small owner-run firms more than multi-person finance teams.

Lili features

• Savings up to 4.00% APY on all plans
• Automatic tax set-asides on Pro
• Bookkeeping and P&L reports on Smart
• Unlimited invoicing on Smart
• 30-day trials on paid plans

Lili pricing

Core: $0. Pro: $15/month ($9 for three months). Smart: $35/month ($21 for three months). Premium: $55/month ($33 for three months). BusinessBuild add-on: $18/month for three months, then $30.

Lili strengths and limitations

Appears in

• Best Business Bank Accounts in 2026 #11

Lili alternatives and competitors

Alternatives to Lili: companies ranked in the same lists.

• Mercury
• RRelay
• Bluevine
• Axos Bank
• U.S. Bank National Association
• Chase Business Complete Banking
• Bank of America
• Capital One, National Association
• Found
• NNovo
• Wells Fargo Bank, N.A.
• TD Bank Group