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Lili Bank Review

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Reviews 1,028

This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

Chris
Chris Muller
Sep. 01, 20224 min read

Lili summary

Lili Bank is ideal for freelancers and businesses looking to get a better hold on their finances. Lili makes it easy to set money aside for taxes, organize expenses, and even get early access to direct deposits. The Lili Pro account offers advanced expense management tools and a free overdraft of up to $200. Lilli's Standard account is completely free, and their Pro account is just $4.99 per month.

Pros

  • No starting or maintenance fees on Standard account
  • Automatically set aside money for taxes
  • Get your direct deposit early

Cons

  • Limited withdrawal/deposit opportunities
  • No joint accounts
Liliat a glance
4.6

Editorial score

Fees?

No fees at all

5.0

Security

FDIC insured, SSL/AES encryption and supports 2 factor and biometric authentication

5.0

Customer service

Customer service during extended business hours

3.0

Online experience

Excellent user friendly site with transparency of rates and full online banking capabilities

5.0

Mobile experience

Excellent mobile app with all mobile banking features enabled, including digital check deposits

5.0

Lili Lili Visit Site

Advantages Over Regular Bank

Lili offers online bank accounts that are covered by FDIC through Choice Financial Group. As an online bank, Lili presents some advantages over the typical brick-and-mortar bank model:

Zero fees 

Lili keeps it simple. The company believes that your money should be yours, not theirs. Their Lili Standard account is completely free. That means no fees for card replacement, bill payments, overdrafts, inactivity, or maintenance. the Lili Pro account is only $4.99/month, with no hidden fees whatsoever. 

Easy tax tools

Lili’s tax tools make it easy to set aside the money you’ll need come tax season. It can be complicated as a freelancer to manage your own tax dollars, but Lili helps with automatic tax buckets that withdraw anytime you receive a paycheck. In addition, the Lili Pro account offers advance expense management, allowing you to customize your expenses buckets for your business needs.

Direct deposit comes early

You can receive your payments early – by up to 2 days – when you set up direct deposit with your frequent clients.

Stay alert

Stay in the loop of all the money coming and going from your account with real-time push notifications on your phone. 

Be your own financial advisor 

Lili lets you track your spending in certain categories to learn more about your spending behavior. 

Free withdrawals 

It’s your money, why should you pay more just to get it? You can get free withdrawals at over 38,000 locations in the U.S. and Puerto Rico.

Additional features

Cash Deposit

Lili customers can deposit cash to their Lili accounts at 90,000 retail locations across the US.

Emergency Bucket

Set a fixed daily amount, as little as $1 a day, to automatically save towards the unexpected. The Lili Pro account offers 1% APY on the Emergency Bucket.

Referral bonus reward

When a user joins Lili using a referral code and spends a minimum of $250 with their Lili card within the first 45 days, both users will receive a $50 referral reward. You can receive a maximum of 10 referral rewards, so up to $500.

Direct deposit sweepstakes

Every Lili customers who sets up direct deposit to their Lili account to receive recurring paychecks or their unemployment benefits (another recurring deposit) will be entered into a sweepstakes and every week of February or March, one winner will randomly be selected and win $1,000. More info on sweepstakes can be found here: https://lili.co/blog/8-chances-to-win-a-1000-bonus


Cutting-Edge Banking Services

For customer support from brick and mortar banks, you have to go in to get service. An online bank like Lili means you can access the same level of customer support no matter where you are! Simply call to contact one of their representatives during business hours. 

Lastly, Lili also allows you to streamline all of your accounts into one. For freelancers, that’s a big deal. Rather than have your money sit in PayPal or Zelle, you can get those funds deposited into your bank account sooner.

Traditional Banking Services 

Since Lili’s focus is the young entrepreneur, members may notice fewer traditional banking services offered. For example, you cannot deposit any cash funds into your accounts. This means that any money stored in this account must be moved there electronically. If cash payments are something you typically accept, this may be an issue.

Additionally, Lili does not offer any credit cards, IRAs, or wire transfers to its members. It does however include a Visa debit card, and if you sign up for the Lili Pro account you will get a Premium Business Debit Card with cashback rewards and increased allowances for transactions.

You can enjoy free ATM withdrawals at over 38,000 locations accross the US with your Lili Visa debit card.

Interest Rates and Fees

Here’s the good news: there are no fees and no interest rates associated with the Lili Standard account. This is great news for people who want to get out of a bank that nickels and dimes them for every overdraft or week of inactivity. The bit about interest rates has some drawbacks, however. Since there are no interest rates, there’s no interest to be earned. 

If you are looking to maximise your income, you might want to consider upgrading to a Lili Pro account, which offers an APY of up to 1%  on Emergency savings. The Lili Pro account is only $4.99 per month, and you can cancel any time. 

Lili Lili Visit Site

Customer Service 

Lili offers multiple ways to contact their customer support team. While they are only available during their business hours (9 AM. to 7 PM EST), you can get hold of them during this window in whichever method suits you.

You can:

  • Call them at (855) 545-4380 to speak to someone directly
  • Email support@lili.co for a written response
  • Find their customer service accounts on social media for a quick response

Additionally, there’s a help center on their website that answers many of the most frequently asked questions and conundrums.

Mobile Apps

The Lili mobile app is the equivalent to your brick-and-mortar bank’s lobby in that it holds all the tools and resources you’ll need to manage your bank account. It also serves as the main dashboard for tax features, expense reports, and financial insights.

You can learn more about the Lili app and how it manages your bank account with this helpful video.

Security

Since Lili is run on a digital platform, it’s easy to understand why data privacy and security are so important to members. Lili takes these concerns seriously, and while they do collect nonpublic personal data from you, they do not share this information with anyone outside of the Lili bank team and necessary third-party service providers. 

When and if Lili notices any signs of a security breach on your account, they will contact you via the app or email. 

Conclusion 

Lili Bank is a great option for freelancers who are struggling to manage their taxes and prefer a digital-interfaced bank to a brick-and-mortar one. With no fees to worry about on the Standard account and no location to tie you down, it makes it easy to travel and work as you please with a great bank beside you every step of the way.

In addition, its well worth upgdading to the Lili Pro account, which at only $4.99/month offers advance expense tracking, a premium Visa Business Debit Card with cashback rewards, a Savings account with up to 1% interest, and unlimited invoices. 

Overall, Lili is a smart option for digitally savvy freelancers looking for a no-strings-attached banking experience.

Lili Lili Visit Site

Chris
Written byChris Muller

Chris has an MBA with a focus on advanced investments and has been writing about all things personal finance since 2015. He’s also built and ran a digital marketing agency, focusing on content marketing, copywriting, and SEO, since 2016. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Lili
Lili
ExcellentReviews 1,028
Visit Site

Trustpilot reviews

See what some costumers are saying about Lili
Lili
ExcellentReviews 1,028
on
Excellent
85%
Great
7%
Average
1%
Poor
0%
Bad
7%
  • author
    Ana Miranda
    Jan 01, 1970
    Great awesome thanks

    Great thanks awesome card

    ...

  • author
    Hello Flowers Are My Jam
    Jan 01, 1970
    First time utilizing Lili as one of my…

    First time utilizing Lili as one of my main cards to use and my transfers and adding money st certain places takes about 45 mins to come thru

    ...

  • author
    Kimberly M
    Jan 01, 1970
    Lifesaver!

    Saved me when no one else would deposit my money order refund checks!

    ...

  • author
    Brandon Kenyon
    Jan 01, 1970
    Easy to use

    Easy to use. App works great!

    ...

  • author
    Daulton
    Jan 01, 1970
    Seamless

    The direct deposit works perfectly. The tax bucket is the easiest way to save and having transaction alerts keeps me mindful.

    ...

  • author
    Rafael Martinez
    Jan 01, 1970
    I love it extremely easy to use very…

    I love it extremely easy to use very explanatory I’m able to understand it and it’s helping me save money and understand the economy a great app to have I encourage you to give it a try

    ...

  • author
    William Gretz
    Jan 01, 1970
    Great service!

    Great service!

    ...

  • author
    Solomon Anderson
    Jan 01, 1970
    I love how fast my direct deposits come…

    I love how fast my direct deposits come in its just awesome

    ...

  • author
    Yanelis Romero
    Jan 01, 1970
    I have been using Lili for around three…

    I have been using Lili for around three months. I haven’t had any issues with it. Only thing I wish is that I could transfer money to my bank instantly instead of in a 3 day business period. I recommend this bank option is you are just like me that has a side hustle and wants a bank account without much trouble.

    ...

  • author
    Felicia Madison
    Jan 01, 1970
    Lilli is simple and easy to use.

    Lilli is simple and easy to use.. Perfect for people who own small businesses! And they take the tax money out every time you or your job deposits money into your lili account so you can save it for when you have to pay your taxes. 😁

    ...

  • author
    Toro
    Jan 01, 1970
    Very good card but Lili keeps taking…

    Very good card but Lili keeps taking away my balance up availability .why

    ...

  • author
    Edna Marie
    Jan 01, 1970
    100%

    Love this app.

    ...

  • author
    Brittany Brandon
    Jan 01, 1970
    I love Lilli seperates my business…

    I love Lilli seperates my business expense from my personal

    ...

  • author
    Sharron Perkins
    Jan 01, 1970
    No issues at all!

    No issues at all!

    ...

  • author
    Gina Clowers
    Jan 01, 1970
    I love everything about Lili Pro

    I love everything about Lili Pro! I never had any issues. I highly recommend

    ...

  • author
    Dwayne Everett
    Jan 01, 1970
    I love Lili it the best card out now…

    I love Lili it the best card out now everyone needs to get this card

    ...

  • author
    Am Digital Productions LLC
    Jan 01, 1970
    Excellent will recommend to every small…

    Excellent will recommend to every small biz starting out

    ...

  • author
    Kathy Hebert
    Jan 01, 1970
    Great for start ups

    I needed a business account for a quick start up. Found Lili via a Google search. It’s been an excellent experience so far!

    ...

  • author
    Leron Jolliff
    Jan 01, 1970
    Great Banking

    Ok banking service.

    ...

  • author
    Crystal Hamilton
    Sep 24, 2022
    Best Bank EVER

    I love Lili bank. They are an amazing bank. The treat you with respect. When you have a problem they listen and fix the issue right away. This is hands down the best Bank I have ever banked with.

    ...

  • author
    Tikikki Cotton
    Jan 01, 1970
    Business

    Great card, no problem

    ...

  • author
    JIMMIE Drummonds
    Jan 01, 1970
    Great banking app I have had it about 2…

    Great banking app I have had it about 2 years and love it

    ...

  • author
    Wesley Kollenborn
    Jan 01, 1970
    I shop with Lili every where

    I shop with Lili every where

    ...

  • author
    Mark Shearer
    Jan 01, 1970
    Lili is making me change my thoughts on banks

    Really great success using this bank. I have never really had good success with banks but Lili is starting to change that perception.

    ...

  • author
    Shanice Jones
    Jan 01, 1970
    Experience

    The deposit feature was great

    ...

  • author
    Brian Burt
    Sep 23, 2022
    Love this app

    This is the best app for a small business

    ...

  • author
    Hourboyzjo
    Sep 23, 2022
    Good

    Good job but do I get this money

    ...

  • author
    DeAndre Alexander
    Sep 23, 2022
    A review

    It was cool and fast

    ...

  • author
    Regina Ekler
    Sep 23, 2022
    No complaints

    There's nothing I can complain about...

    ...

  • author
    Jonnie Romero
    Sep 22, 2022
    The Lili card + the app is hands down…

    The Lili card + the app is hands down the best ever I don't have nothing negative to say about it. I'm completely 100% satisfied ❤️❤️❤️ I highly recommend people to become apart of the Lili community every where I go I tell people about it. ..

    ...

  • author
    Catherine Kriel
    Sep 22, 2022
    So far I absolutely love this app

    So far I absolutely love this app

    ...

  • author
    Amanda Adams
    Sep 22, 2022
    Good and easy banking

    Love how easy it is to use

    ...

  • author
    Tom
    Sep 21, 2022
    Everything I was hoping for from an…

    Everything I was hoping for from an online bank.

    ...

  • author
    Jose Martinez
    Sep 21, 2022
    Excellent app and I love the account…

    Excellent app and I love the account easy to use and keeps u organized. It will be really great if people can make appointments since we can already create invoices with the pro version.

    ...

  • author
    Brian Carter Wrenchmen Mobile
    Sep 21, 2022
    If I could have found Lili when I first…

    If I could have found Lili when I first opened my business I would have not been taken advantage of by the big bank's with hidden fees every month from there merchant services. Love this format. If you have a business setup stripe and save.

    ...

  • author
    Jeremy
    Sep 21, 2022
    Great app great bank safe place to keep…

    Great app great bank safe place to keep your money fast service safe service

    ...

  • author
    Danielle Williams
    Sep 21, 2022
    Love it

    Best app hands down. I love it!!

    ...

  • author
    Brittney Matthews
    Sep 21, 2022
    You guys help me so many timeshard times

    You guys help me so many times

    ...

  • author
    Melvin Lee
    Sep 20, 2022
    Great

    Everything is good

    ...

  • author
    Kelley Kendle
    Sep 20, 2022
    Love this app

    Has been a great experience thus far

    ...

  • author
    Savannah
    Sep 20, 2022
    Great banking experience!

    So simple to use and just an overall great banking experience!

    ...

  • author
    Samuel Marvin
    Sep 20, 2022
    Easy to use for personal and business…

    Easy to use for personal and business needs!

    ...

  • author
    Jamie Scruggs
    Sep 20, 2022
    Life Saver

    I absolutely love Lily it has been a lifesaver when it came to separating work and personal transactions and having everything prepared for tax season including saving money in the tax bucket to help pay any taxes owed at the end of the year all around one of the best banking app for small business owners I’ve ever seen

    ...

  • author
    Gabrielle Young
    Sep 20, 2022
    Only app I use for my paycheck

    The easiest way to track money, I get paid early and I can do my taxes at the same time. Plus they cover you for overdraft fees!

    ...

  • author
    Aikima Israel
    Sep 20, 2022
    Awesomeness

    Lili is awesome!! I’ve been a customer for a year now.

    ...

  • author
    Melvin Myers
    Sep 20, 2022
    I love the tax bucket future

    I love the tax bucket future, it should make things a lot less stressful when it comes time to pay taxes

    ...

  • author
    Brendon Romanski
    Sep 19, 2022
    A+++

    This app runs flawlessly is user friendly and has no hidden....nuff said

    ...

  • author
    Tenay Gaddy
    Sep 19, 2022
    Fastest ACH!

    I don’t have to wait more than 8 hrs for my deposits to arrive from Etsy. The other account I was using before I had to wait until the next day or two, but I get them same day with Lili

    ...

  • author
    Scotty D.
    Sep 19, 2022
    Lili ... love it !¡

    Everything was tip top as always luv lili thanks for being solid.

    ...

  • author
    SWhite
    Sep 19, 2022
    So far so good.

    So far so good. Easy to use. Great for organizing transactions.

    ...

  • author
    Jordan Lawson
    Sep 19, 2022
    This app is great it helps me to stay…

    This app is great it helps me to stay business organized daily.

    ...

  • author
    Trekessa Henderson
    Sep 19, 2022
    Helps me out first business

    Helps me out first business

    ...

  • author
    Joyce Coss
    Sep 19, 2022
    I have had some issues in the past not…

    I have had some issues in the past not really there fault I locked my money in the ATM machine it just took forever to get back in my account I really do like this app lili has been helpful app and account and is worth paying for each month it has a lot of options and tool to help you

    ...

  • author
    Tyshon Smack
    Sep 19, 2022
    I love it

    I love it , I wish the overdraft was more but I love it

    ...

  • author
    Davita
    Sep 19, 2022
    Love this card

    Love this card

    ...

  • author
    Rodney Cameron
    Sep 18, 2022
    Amazing

    Amazing and Innovative yet effective!

    ...

  • author
    Joshua Rogers
    Sep 18, 2022
    The best card ever

    Love the lili card it's everything you can ask for and more

    ...

  • author
    Jade Barnes
    Sep 17, 2022
    Good online bank

    This is a great online banking for saving

    ...

  • author
    Gavino Rodriguez
    Sep 17, 2022
    Lili has been awesome so far

    Lili has been awesome so far, I can't wait til order are pouring in and I can really get down on using all its features.

    ...

  • author
    Sindy Fredrick
    Sep 16, 2022
    Time saber

    Soo far so good I love how I can take a picture of my receipt and save for tax season!!!!!

    ...

  • author
    Shauna Conley
    Sep 16, 2022
    Great banking app whose credentials are…

    Great banking app whose credentials are above many other online banks so itnmakes business transactions and connecting to other banks is easy as... well.... just easy. As easy as the app is to navigate through all its amazing features to help anyone with banking needs.

    ...

  • author
    Eran Ayam
    Sep 16, 2022
    Pay us well we will feedback for you.

    Pay us well we will feedback for you.

    ...

  • author
    Pedro Ramirez
    Sep 16, 2022
    I really like all the options it has.

    I really like all the options it has.

    ...

  • author
    Mary Jane Gillihan
    Sep 16, 2022
    Great banking

    Great banking. Totally easy and convenient!

    ...

  • author
    Mary Rouse
    Sep 16, 2022
    Good

    It was great !!

    ...

  • author
    David Campbell
    Sep 15, 2022
    Love it

    Love it, so far!

    ...

  • author
    Cavarus Eddins
    Sep 15, 2022
    Lovely app would recommend to anyone…

    Lovely app would recommend to anyone that needs online banking

    ...

  • author
    Chai Vang
    Sep 15, 2022
    Lili is a cool app to save and deposit…

    Lili is a cool app to save and deposit money.

    ...

  • author
    Antoinette Davis
    Sep 15, 2022
    So far so good

    So far so good. I like the way I can separate personal from business with just a click. It makes things so much better.

    ...

  • author
    Doneshia
    Sep 15, 2022
    So far so awesome

    So far so awesome! I'm really loving Lili as my business banking account! And the fact that it makes it super easy to separate business and personal expenses, put away for taxes and a saving feature just really makes this work for me! I'm in love 🥰

    ...

  • author
    Markia Wilson
    Sep 15, 2022
    Great, customer service

    Gas hold a was taken so long . Call to get disputed . Money was in my account the next day

    ...

  • author
    Douglas Bryant
    Sep 14, 2022
    Love how I have everything in one place

    Love how I have everything in one place

    ...

  • author
    Alan Bam Burton
    Sep 14, 2022
    Great alternative with less hassle on…

    Great alternative with less hassle on things an transaction

    ...

  • author
    Crystal
    Sep 14, 2022
    Love it

    Great good saving plans

    ...

  • author
    Winifred Gonzalez
    Sep 14, 2022
    I love this bank

    I love this bank

    ...

  • author
    Cody Ratliff
    Sep 14, 2022
    I love the Lili bank it is easy to load…

    I love the Lili bank it is easy to load money on the card and I have no problems paying bills or ordering stuff online..

    ...

  • author
    Lance Howard
    Sep 14, 2022
    Easy business account to use

    I love lili banking so easy to use

    ...

  • author
    Gina Burger
    Sep 14, 2022
    Great

    This card is awesome

    ...

  • author
    Jessa B
    Sep 13, 2022
    Lili is great

    Lili is great! I always get my money earlie and I get to just swipe to chose either personal or business expenses! Simplicity at my fingertips!

    ...

  • author
    Paul Brooks
    Sep 13, 2022
    Great

    Great services

    ...

  • author
    Elizabeth Whitehurst
    Sep 13, 2022
    This account has been great for my…

    This account has been great for my business, I splits every transaction, which is great and no fee’s.

    ...

  • author
    Cedric Koonce
    Sep 13, 2022
    I would give it 5 stars but when…

    I would give it 5 stars but when deposit 2 checks mobile 3 weeks ago and still haven't received my money. I use this app for business purposes

    ...

  • author
    Dolores Enriquez
    Sep 13, 2022
    Everything I used my card I have no problems love it

    This card is amazing love it will recommend to anyone

    ...

  • author
    Sofia Loran
    Sep 13, 2022
    Unable to Open account

    I am not sure why but I am unable to open an account. I was truly looking forward to banking with Lili. I have never had an overdrafts or derogatory remarks on my credit. My credit score is 790s. The message I received said I can’t call customer service to find out why and I am totally bummed about this.

    ...

  • author
    Georgia Sipe
    Sep 13, 2022
    Great experience

    Never had any issue. This app has been the best for my money

    ...

  • author
    Ash
    Sep 13, 2022
    I love LILI

    Over a year now and I have no bad thoughts on this bank. I would like to get a few returned ATM fees monthly but otherwise I would have to say that I have loved using my Lili bank

    ...

  • author
    Donna Donaghey
    Sep 12, 2022
    Good

    I thank it is very good

    ...

  • author
    Latasha King
    Sep 12, 2022
    I love this card

    I love this card

    ...

  • author
    Mohamed Abukar
    Sep 12, 2022
    Thanks allot

    Thanks allot

    ...

  • author
    D. Solomon
    Sep 12, 2022
    Have had Lili for six years or so…

    Have had Lili for six years or so and.have had nothing but good experiences, customer service, and professionalism.

    ...

  • author
    Unique
    Sep 12, 2022
    Awesome Sauce

    Awesomeness

    ...

  • author
    Walter Evans
    Sep 12, 2022
    I really like this app and or bank…

    I really like this app and or bank account holder! When someone made transactions 10 transactions that is. In the sum of $332.10 something to that number give or take the Sense part. Lily made sure I received all my money back and I appreciate the service thank you. There is still one transaction that I have not received but I still give them a five because the effort they took to investigate the matter.

    ...

  • author
    Kyle Martinez
    Sep 12, 2022
    Great

    Good app. Easy use. Would love to be able to borrow money if needed. But is awesome nonetheless.

    ...

  • author
    Kyndra Lewis
    Sep 12, 2022
    My girl Lili!

    Lili is easy so to navigate and I just found out I can add my debit card to my Apple wallet! I love her!

    ...

  • author
    Lukas O'Neall
    Sep 11, 2022
    LEGIT GENIUS!!

    So genius how it has a tax bucket. Helps me save without even knowing it.

    ...

  • author
    Aimee Weathersby
    Sep 11, 2022
    Awesome

    Love the way it categorizes everything

    ...

  • author
    Michael
    Sep 11, 2022
    Awesome

    Awesome! Easy to use for my business.

    ...

  • author
    QSHAN MURRAY MANUEL
    Sep 10, 2022
    I’ve been skeptical to use my card. Today is the first time I’ve used it so far so good.

    I e had my card for some time now. Today is first time I used it. And so far it’s doing it’s thing.

    ...

  • author
    Amelia Maldonado
    Sep 10, 2022
    Satisfied

    Every satisfied with there bank and how they operate and the employees are very respectful and understanding in every situation

    ...

  • author
    Domojae Hagar
    Sep 10, 2022
    Great I love my account it helps me…

    Great I love my account it helps me with any and everything I will always have this account

    ...

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