Lili Reviews

⭐ 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.

I had nothing but trouble with is so called business account and bank, they blocked my card many times when I needed gasoline and refused to credit my account for unauthorized charge, it takes 2 hours on hold and they cut you off, customer service not in is and can’t help,. I just listed my house with a property manager on Vrbo, it was rented and Vrbo sent $2029 to my account that I gave the property manager for deposit of funds.

After reading several reviews of Lili.co I tried applying for an account, I got as far as the "Submit EIN Letter" which I don't have and it stopped with no way to move forward. I have sent them 3 email, no response. I tried calling the customer service support number which sends me into an endless loop. Try calling, Press 1 if you don't know your account number. (855) 545-4380 Also, I cannot find any other number for them. Anywhere, all I found were complaints.

Count on nothing being resolved. The service reps all have the same script. I was unable to wire money into my account and it is now over a week and they still can't figure out what's happening. Moreover it's been over 14 days and I haven't received my bank card. Their response?: "Well it's still within the time frame we send it". I told them I wanted to close my account and they refused.

HORRIBLE CUSTOMER SERVICE. DENIED A CHECK because in quotes "We don't feel that the deposit will be paid". Are you serious?? This might be the most unprofessional, ill advised response I have ever received from an establishment. I am advising everyone I know to stay away that has been considering this company.

Lili froze my account without a phone call to me as I had deposited a check over their limit. ****At first they sent me an email saying the check was approved no problem***, then they decided they needed further documentation. They sent an email and when I didn't read and respond within an hour, they froze the account and it's 4 days later and it's still not resolved. I have no access to my funds and the customer service can only submit requests. This is a horrible company, please use an established bank.

First of all this is the worst company service I’ve ever been involved with they. My account got its first deposit of $2,145. They put it on hold so I called the next day. The customer service guy said he couldn’t do anything about it that it had to be head up the hiigher ups which are not really people. It’s all bogus. Long story short they closed my account and now my money is gone and they can’t tell me where it’s at and won’t talk to me anymore… Now where is my 2,145?

Lili Bank gave me the run around on a charge made on my Lili card which I used to hold a reservation on Booking.com. When I checked out of Yotel I found a charge for the night on my Discover Card which I had left for incidentals. Then later saw a charge made from booking on my lili card. When I disputed the charge at lili bank they told me I would be credited in 10 days. On the 10th day I called lili due to the fact there was no credit and instead of helping me out they closed my account. Now I cannot get my money that was wrongfully charged on the lili card.

Lili offers payroll direct deposit and calls themselves a bank. They are only a shell company for Choice Bank - allowing Choice full use of your funds while offering no support or insurance of your funds. My account was hacked. They immediately denied the claim. They refused to assist me in getting a transaction listing. Customer Service simply hangs up on you when you have a dispute. I finally reached a rep after about 6 calls that gave me a trsx list. But when I filed with their "dispute team" they automatically denied the claim with no investigation at all. They refused to send me required documentation of their investigation/decision.

You probably have had good experiences with Lili, but I recently did not. I am a Lili Card user. I found later that Lili was the old Green Dot card. They just rebranded to Lili and are currently marketed as a business debit card. I took the card to keep track of some 1099 work I'm performing. On October 16th, I made a reservation for 1-night with Marriott Courtyard using my Lili Card. I checked in on October 22, 2022. When I checked out on October 23, 2022, I switched cards and used a legit credit card to pay for the room. Marriott stated that it could take up to 5-days for the HOLD to be lifted from my Lili Card. As of this writing - 1) My account does not show the debit by Marriott, 2) My account does not show the credit from Marriott. In sum, over $400 has gone missing from my account, and I can't get a straight answer from Lili. They are experts at giving you the run-around.