Lili Reviews

Using Lili is more convenient for me. I get deposits in multiple locations. I use the business checking. So far, so good. It has been very easy.

I've had a positive experience with Lili so far. It's been very easy, efficient, and works well. Our organization has bank accounts in almost every bank that's out there. We chose Lili because they were also available and we wanted to have funds in different banks. Working with them has been very easy. Sign-up process was very easy. The deposits process was very easy. Their system is extremely user-friendly. Right now, since it's a newer account, we're just doing deposits on small transactions. We're not doing any big transactions through Lili yet.

I looked up business bank accounts online, and several ones popped up, but I chose Lili because I didn't have to pay any monthly fee. I get deposits through it, and I use it to deposit money into different other accounts. I have a savings account as well. Everything is easy. If someone doesn't know what they're looking for, Lili has a search bar where they can type things in and something will pop up. For the most part, that's what I have.

I was looking for an online bank that would be good. I saw a whole bunch of them, and then Lili stuck out to me. I liked the color pattern they were using at the time. It was black and yellow. So, I tried them out, and I loved it.

I saw the bank with Lili as an option when I set up an LLC through Wyoming. And it was either Lili or Relay Financial, and I chose Lili. I wanted someone who is next-generation banking, can work with deposits, and is able to integrate QuickBooks and tools and things of that nature. Using their website has been easy. One thing I was curious about is the security of it. I noticed that if I log in on my browser, it stores a cookie, but it doesn't really ask me for two-factor authentication. But they responded quickly and were able to help me.

I was searching for online business banking that was a little bit more flexible than brick-and-mortar banks. I came upon Lili and I used them for the business build and their banking products. When I had a question about something that wasn't immediately obvious, at least to me, on the website, I reached out to them and they were very responsive. The people I talked to were polite, went out of their way to help, and answered my questions. So, I'm really satisfied with them and I have no complaints. They have a bunch of other tools I haven't done yet, like invoicing, but if you want something that is much more integrated into your business, you should try Lili because it's kind of a combination of QuickBooks or some accounting tools, as well as traditional banking. I also bank with a brick-and-mortar and you just don't get all that stuff from them.

They were easy to get into, and they were very friendly. I like their online services. It's fine. Lili is the best bank to go with. You don't have to go through a bunch of hoops just to be able to open an account.

I was having a hard time with regular banks. A lot of banks were more based off of your credit score. If you didn't have a decent credit score, you couldn't open up a bank account. But Lili didn't care about the credit score. They just say, “Hey, if you need an account, you need an account.” At that time, I was in a situation where I seriously needed an account because I'm running a business, and I needed a business banking account. I was having a hard time getting one. Lili is pretty decent. But there could be a little bit better customer service. Like when you have questions, they should have somebody that you can actually reach out to.

It's easy to sign-up and everything is tracked and organized, like taxes. You can put it in their app where it automatically saves for taxes. It's really a good bank to use for a new company. It helps you not be behind on your taxes or overspend. You get to add all your receipts. My wife and I get rooms, and the app is also perfect for that. Every time we buy a room, it tracks it.

I heard about Lili Banking from the organization that set up my LLC in Wyoming. I would love to have a checkbook, as opposed to doing all my checks from online. I had an issue with a couple of vendors that I tried to pay for some renovation work at one of the houses, and it seems that the checks didn't go through, even though I got a notice that they were mailed. Glitches happen. Also, the invoicing and bill pay are a little bit about confusing. If you do invoice and put an invoice in, and you say you want to send it out via check, it stays in pending status as opposed to, “Check was mailed.” Other than that, it's straightforward.

I joined Fast Track and started a business. They recommended Lili, but I am disappointed with the monthly fee since my USAA, Navy Federal, Bank Of America and other banks have waived or reimburse me for fees. I was a LCDR in the Navy and have tons of benefits... Why Lili when my other banks wow me with their customer service and apps? You asked so I thought I would give the feedback. Plus, since my customers will be paying 5-8 k for a 6 month program so I will be seeing money flow soon and not sure I will stay with Lili if nothing changes for my business account.

I like the ease of working with Lili Banking online. I'm using their business checking services.

With Lili, it's easier to look at the balances in my account all at once. Also, it's easy to manage moving money across my POS system directly to Lili, and if needed, to move money back. It’s been a good experience. I'm using the checking, the savings, and the business credit check. I love the fact that you're able to check your business scores and also see everything that's going on inside your business dashboard inside of Lili. It's a very straightforward app, and everything is simple and cut-and-dry. So, it's a great option if you want to go with them.

I like that Lili lets you open up a business bank account without starting off with anything or not that much. It's not that hard to do business with them. I haven't experienced any problems contacting them.

It was very easy to establish an account with Lili. Their services were definitely services that I would use, being able to execute wire transfers and payments online. They've got a full range of business services that will come in very handy. Lili is a good bank. The app is very easy. Everything is very transparent. The only challenge that I had was that I established a Lili credit card for my company, and I appropriated $1,000 as the security for it.

I’ve been using Lili as a checking account for my business. Everything is straightforward and easy to use. As far as the application, you just punch your info in, send it out, and then you get a response if it's approved or not, and they get you set up. There wasn't anything too difficult or spectacular about it, but I like the convenience of the online application.

I had a very negative experience with Lili bank. At first, basic services worked out ok - simple deposits, using a debit card. I created my account when my business was still a sole proprietorship. As I progressed, I created an S-Corp and called Lili customer support for instructions on how to set up my account to reflect the S-Corp and remove the sole proprietorship. I was instructed that I should keep the same bank account, remove the old business, and add the new business. This was when the saga started. I removed my business name from my checking account, and I was not able to add the S-corp at all. I called customer support multiple times, on different days and different occasions. Most of the time, CS representatives were cordial. However, they could never solve my issue. They always instructed me that they would inform the 'support team' (which I assume is some remove tech team) and that I would hear back via email.

Lili had the business build program. I decided to use them and it's helping me organize my company's finances a little bit better. Currently, I'm using their credit services. I'm using the invoice a little bit. This is the first time I have a business account, but I'm able to see all the expenses and I'm able to separate it. It helps with the credit as well and I feel it's pretty good. Doing business with Lili has been easy other than the payment transfer. Some banks have VAL, which is easy. The easiest one is probably the ACH transfer. Other than that, it’s not that bad. They've been very helpful. The only thing is, sometimes, they don't have a location. With me being able to deposit in some places, there's a fee, but it is what it is. It's been good, though. It's an app company. I'm new and I'm just getting used to everything, but they've been helpful.

I had Lili for a while, and I got two accounts with them. I needed a business account. It was easy to sign up and they gave me what I need to do my business. Their app is very user-friendly. It lets me show my transactions. It's very easy to transfer money in and out of the Lili account. I like how the app organizes my transactions. I love my experience with Lili. The way I use it is very basic. I get deposits from sales for my business, and I just stay in there.

Lili is excellent. I chose them because they were convenient. I have the business credit secure card and the checking account. My company's finances is easy to manage, and the online access is very straightforward. It's easy to log on. Overall, Lili is great for first time business.

I searched for a business bank account online, and getting started with Lili was very easy. I am utilizing their checking and savings for now to receive payments for my product. So far, it's been a seamless process, and I've been able to navigate everything that I need. The price is reasonable, too. The only inconvenience was when I transferred, I thought it was going to be instant because it was through the bank card, but it wasn't. I still had to wait a couple days.

Everything looked good on Lili when I was reading up on it, but I didn't have a great experience with it because it was so hard to get ahold of anybody when I had questions. So, I'm in the process to get my last couple refunds back to me, then I’d be closing down the account. At first, things went well. Once I started to transfer money, it was hard to connect with my cards, my cash app, my Venmo, and it took many days, and it wasn't very smooth. I didn't like the experience. I had the checking account with them. I did the credit card that I funded. I found that I couldn't do any estimates or any of that on the invoices. That was kind of irritating. I wanted a workable quote and then be able to swap it over to an invoice. I couldn't do that with the program.

I used Lili for nearly six months without any issues and successfully relied on it to collect payments from my clients. The platform worked smoothly and supported my business operations during that time. However, my account was suddenly blocked without a clear explanation. This unexpected action significantly disrupted my business plans and created financial uncertainty. I would have appreciated clearer communication and advance notice, as well as a more transparent explanation of the reason for the restriction. Overall, my experience started positively but ended in a way that caused serious inconvenience to my business.

Very minimum and a few for anything extra that's basic on most other platforms... Would be a better review if the basics were included... Without a fee attached... All money ain't good money... The smell of greed stinks heavy with this app...

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.

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.