Lili
Lili Business Banking
Tiered banking with tax buckets, accounting software, and a $200 overdraft cushion
Insurance: FDIC insured up to $3 million through Sunrise Banks, N.A. and its sweep network
Plan Options
Core
$0
- ▸Business checking with Visa debit, ACH, checks, and wires
- ▸Access to the Lili savings account
- ▸E-commerce integrations and 7-day support
Pro
$15 ($9/mo for first 3 months)
- ▸Tax categorization, receipt attachment, and automatic tax savings bucket
- ▸Quarterly and annual expense reports
- ▸BalanceUp fee-free overdraft up to $200 on debit purchases
Smart
$35 ($21/mo for first 3 months)
- ▸Full accounting software with AI categorization, P&L, and cash flow reports
- ▸Invoicing with payment tracking
- ▸Bill management with auto-scan
Premium
$55 ($33/mo for first 3 months)
- ▸Metal debit card
- ▸Dedicated specialist support 7 days a week
Features
- ▸Automatic tax bucket sets aside a percentage of every deposit (Pro and up)
- ▸Savings on all plans paying 2.25% up to $500k
- ▸BalanceUp overdraft up to $200 with qualifying deposits (Pro and up)
- ▸Early direct deposit up to 2 days
- ▸Cash deposits at 90,000+ Green Dot retail locations (~$4.95 fee)
- ▸Square, Shopify, Etsy, and eBay integrations
Pros
- +Savings APY now available on every plan, including free Core
- +$3M FDIC sweep coverage
- +BalanceUp is a rare fee-free overdraft in business banking
- +Tax bucket automation rivals Found at a lower paid-tier price
Cons
- −Real prices ($15/$35/$55) are masked by 3-month intro pricing
- −Invoicing and accounting need the $35 Smart tier
- −No fee-free cash deposits and out-of-network ATM fees
- −No employee debit card spend controls
Our Take
Lili packs a lot into the ladder: tax buckets, real accounting software, even a $200 overdraft cushion. The savings rate going plan-agnostic makes free Core a respectable yield play at 2.25%, with $3M sweep coverage behind it. Just price the tiers at their post-intro rates before committing, because $55 a month for a metal card is not a business expense, it is a vanity one.
Best for: Solo owners who want tax automation plus accounting in one subscription
Open at Lili →Last verified 2026-06-11
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