Lili Reviews

Overall, Lili is a very good bank. The most difficult part is not having a physical place where you can go and deposit checks, like for day-to-day banking things. But overall, it's an amazing system they have. I like that they have everything and they are able to break out all the expenses and classify them. That's a plus. I'm very satisfied with Lili.

I have a business account with Lili, and my experience has been good. Their platform has a feature where I can classify and bookkeep everything. On a different note, I don't like that I've ordered business debit cards four times, and I've yet to receive any. I also don't like that their customer service is only through email. It takes days to get a response and there's no number for me to call, so I can't call anybody. Other than that, I've used Lili for three months and I would recommend it.

Lili has been extremely convenient. They've been very helpful in all aspects. We're using them for basic checking and transferring my invoices.

When I needed a business account quickly, Lili was the quickest one and it was fairly the easiest and had the most benefits. I signed up and instantly had a routing number and everything that you would need for a reliable business. I opened the account around September and got the card in the mail in less than five days. It all worked pretty well. There's a free account too that you can instantly sign up and you have all the same information. You can also pay a monthly fee for more like a credit bill and way more benefits. It's not even a lot to hurt your pocket so it's worth it. They offer the business credit build where you put whatever amount you want, and that's the credit line that you use. It's like a secured credit card.

My experience with Lili was quick and easy. I have an online checking account and it has met our needs so far. I just wish that they would incorporate Zelle.

Lili Banking is an entrepreneur's friend and the best way to manage finances. I’ve already used them a couple of years ago and I've always liked them. I've spoken to customer service via chat and several other ways, and they've always come through. It’s easy to get on the site any time, anywhere, even a 5th grader can get on Lili. It’s your neighborhood bank at your fingertips.

I have a sense of convenience with Lili. I didn’t have to stop and go because I was able to do everything from my phone. However, with them being a digital company, there's only so much customer service you can actually get. It's been difficult and, at times, I'm not even sure if they're English-speaking so there's also that communication barrier. Recently, my account was compromised and Lili wasn't the most helpful, so I'm kind of moving away from them. They're okay with wire transfers. Besides that, I am not really using them much. Within the next couple of months, I'll probably be closing my account with them.

I was trying to find a bank for my business that wasn't going to be charging me 10 or 5 bucks a month. I wanted a regular bank account that I could put money in and use it when I want to for business banking. Lili was the only one that didn't charge me anything.

I was using Found but they changed who they were working with in a way that I could no longer have my eBay payments direct-deposited through Founder. They switched to Sunrise Bank, and it’s a whole big mess. I needed to switch to a different company that provides basic business services for small businesses. I found Lili, and everything's been positive. I have a business checking account and a secured credit card that builds business credit and reports. Everything's been up to my expectations. I haven’t had a single issue and I’ll continue using it.

Lili has been managing my company's finances in terms of payments, invoices, and payroll. They have an app and it's easy to use. The only thing that we can't do is get checks because it's a digital platform. Outside of that, you don't have a checkbook. Even with accessibility, they have things where they reach out to you to tell you about better ways to help with your financing. They help you with all of those things like building business credit. Very easy and good for businesses.

The fees are too much. To charge a monthly fee for the plan on top of charging a fee to send money is too much. Also when sending money to someone it should hit their bank immediately. No one should have to wait for their money. Those are my experiences.

⭐ 1-Star Review for Lili Bank / Sunrise Bank (My Honest Experience). I’ve been in business a long time, and I have never had a banking experience as frustrating as this. I deposited a legitimate $35,000 customer check on Monday, November 17th. The check cleared my customer’s account that same night — they even provided me a copy of the cleared check. Despite that, Lili/Sunrise Bank froze 100% of MY money for more than NINE DAYS, with no explanation, no notice, and absolutely no way to reach a real human being who could fix the issue.

I opened a Lili account because it was marketed as a modern, secure, and reliable online banking option for small business owners. What I actually experienced was the complete opposite — a total failure of customer support, accountability, and basic financial protection. In May 2024, my Lili debit card was stolen, and several unauthorized transactions hit my account. I immediately reported the fraud, filed a police report, and even did my own legwork contacting the merchants directly. Despite all this, Lili and Sunrise Bank denied my dispute, claiming that the responsibility fell on the retailers — not them.

Beyond terrible since the day I started using them. Twice someone stole money out my account & they do nothing about it, it’s just been hell and a pure waste of time, they charge for everything you truly need and it is just a money grab & no real assurance or help on anything. You gone talk to people who know nothing & can’t do anything tryna get ANYTHING DONE!!..

I am giving them one star because I have to at least have one to submit a review. But I would give them zero if I could. I joined Lili Bank to handle the fees I am earning with my small software LLC. This was depicted on their website and app as a free tier checking account. They even sent an ATM card to me. I actually had it for 6 months before I was able to deposit my first check. After I did a virtual deposit I heard from them bluntly saying they were closing my account because of too much risk and not depositing the check. Plus, that the decision was final. Turns out there was a typo in the name of my company on the check. But I simply was unable to get anyone on the phone requesting an explanation. I moved everything to Bank of America and notified my new clients of the ACH info changes, which was even more inconvenient. I paid nothing to them and I got no service of help. So I guess it makes sense.

I've had numerous issues with them. (I'm in the process of moving away) The latest issue was they changed my routing number and haven't had a successful deposit to my account in seven days from two different merchants. As a small business owner, this is unacceptable. And when I call support they blame me for not acting quick enough. I have no control over the merchants though. This bank is trash.

The bank is fraud. Some scammer took my money and no one gave me back. As of now I have no idea if I even get back my money. I plan to report BBB. Let's see if they respond to it otherwise I plan to put in civil lawsuit. Very depressing.

Lili is a totally incompetent business banking service that I do not recommend. ACH transfers rarely go through on time, if at all. The "relevant team" that deals with these problems has no phone number and can only be reached by email and half the time they don't respond. I made a "same day" payment to a vendor 11 days ago and the money still hasn't been received. 6 phone calls, 3 emails and 2 investigations later and Lili still hasn't completed the payment, making my company look bad.

I am currently a Lili bank user and originally decided to open an account due to the ease of doing so online and the lack of bank fees. This was appealing because I use the bank account only for the rare side job I do. For me, these pros do not outweigh the cons. When making deposits, the bank holds funding checks for what I consider to be an excessive amount of time (5 business days or more). This is not just for large amounts, even for a few hundred dollars. I have had several checks that were deposited via the app (the only way to make a deposit) that were rejected.

When I think about business banking fraud protection is the top of my mind. I was able to pay my payroll and other bills. Out of the blue two transactions at a Safeway in Arizona wiped out my account. How does this bank not some sort fraud detection for transactions over 600 miles away? No alerts no warnings other than, “oops your account Is a little low maybe you should add $10”. Honestly I did get a yellow flag several months back when their mobile app refused to recognize a vendor’s check. When I called customer service they said I should reinstall the app then told me it was my phone. That's funny because my Chime App, and Credit Union app had no problem recognizing the check. Again no customer service, no fraud protect AT ALL. Like others have said I called immediate to report the fraud and they told me I had to wait until it cleared. It cleared on Sunday and guess what, they are closed. Do not use this bank. It's a joke!

Lili bank has literally the worst customer service experience that I have ever had across the board. They closed my account without my permission which had horrible effect on my business. DO NOT USE THEM!

Lili closed my account WITHOUT NOTICE!! I had no access to my statements and customer service would provide no information except they could not reopen my account. Luckily for me, I had no money currently in the account.

I had an absolutely horrible experience with this "bank". They withheld my money, closed my account with no warning, then stopped replying to my messages. I literally had to file a claim with the FDIC (and the BBB) to get them to respond. As soon as they finally responded to the FDIC (after multiple attempts by the FDIC to reach them) they all of a sudden gave me my money back.

I tried to open a new account with Lili seeing how they were supposedly a good bank for small businesses. They denied my application after I submitted twice saying they could not accept my home address or my business address. I called trying to understand and the customer service person was slower than a 2 year old. She had no knowledge and could not even explain how the application processes worked. Reading these reviews I guess I dodged a bullet. Applying with Bluevine!

They have NO fraud prevention in place. Someone shimmed my card and stole $7k out of my account. I called and they had NO 24 hour emergency call number. The person wiped out my account. When I called Lili the next morning during their business hours, they said they can do anything until the payments process. So I had to wait 3 days for it to process. Then they said that it will take 30 - 90 days to get my money back. I have employees to pay and bills to pay. This bank is fired.

I banned with Lili for a year and a half. Last April I received a check from my insurance company for $785. I tried to deposit the check and it got denied. I talked to customer service (tried to anyway) with no help at all. Then my account gets closed with no explanation at all!! I still can't get an answer or explanation. Same thing happened with Chime in the same month!

I ordered the polka dot top from there. When it arrived. The quality was ridiculous. I wouldn’t even pay $10 for it and they charged me $143. Hopefully I get my return soon. This company is in China and the product is very bad.

I have been banking with Lili for about 4years now and I had $716 taken out of my bank account without my permission. I had to call 5x before anyone got answered my call and they didn't show any care about the situation and they were acting like it was my fault. Also they don't let you know when their system has been hacked or when your account has been hacked. They don't get back with anyone to let them know what's going on. They are the worst and I see why they don't have any good reviews.

I need to open a new business checking account. I've been reading about them online. I decided to go with Lili mainly because my company gets a lot of ACH payments and they say you get your money 2 days faster than typical banks. I couldn't even get the account open. I put in all our information and it changed the date of my birthday from the 20th to the 19th. At first I thought I made a typo. I went into to edit, did so, get to next page, my birthday is incorrect. I completely delete the information and start over, still changes my birthday. I tried to correct it several times. It didn't work.

1. This is supposed to be a "business bank". My business received a check for $22K. There is absolutely no way they can accept this check, either by issuing an exception for mobile banking, mailing it in, or bringing it to a physical location. This is not a large amount of money for a business. I had to open a new account at Bluevine to deposit this check.