Lili Core (Free Business Checking)

Free business checking for sole proprietors and small businesses, with savings interest and up to $3M in FDIC insurance.

LiliUpdated weekly · checked 2 h ago

Lili Core (Free Business Checking) is a banking and fintech perk from Lili, offering free checking + savings at 2.25% APY on the first $500,000, for startups in the US.

Who qualifies
Any startup
Benefit type
Free plan
What you get

Inside Lili Core (Free Business Checking)

  • Lili Core is a free business checking account for sole proprietors and small businesses, with up to $3M in FDIC insurance through Sunrise Banks, N.A. and its sweep banks, and a savings account on every plan paying 2.25% APY on the first $500,000 (4.00% on the portion from $500,000 to $1M).
  • Paid plans (Pro $15, Smart $35, Premium $55 per month) add accounting, tax and cashback features.
Eligibility

Who it's for

Funding / backing
Any startup
Geography
United States
Recurring / expiry
Ongoing; Core plan is free.
Other requirements
International wire transfers limited to legal entities (LLCs, corporations, partnerships). Lili is a fintech; banking via partner bank.
How to claim

How to apply for Lili Core (Free Business Checking)

What to have ready
  • Your incorporation details (EIN or company registration)
Steps to apply
  1. 1Sign up at lili.co;
  2. 2Core plan has no monthly fee and no minimum balance.
Good to know: Re-verified on lili.co on 2026-09-25.
Value is the headline maximum Lili advertises. What your company actually receives depends on your eligibility and how you use the program, and terms can change. Independent comparison, not affiliated with the programs listed. Confirm current terms on the provider's page.
If you don't qualify

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Lili Core (Free Business Checking) has eligibility restrictions. These alternatives have no accelerator or investor requirement. Check each provider’s current terms and availability.

Questions

Lili Core (Free Business Checking): common questions

What do you get with Lili Core (Free Business Checking)?

Lili Core (Free Business Checking) offers free checking + savings at 2.25% APY on the first $500,000. Lili Core is a free business checking account for sole proprietors and small businesses, with up to $3M in FDIC insurance through Sunrise Banks, N.A. and its sweep banks, and a savings account on every plan paying 2.25% APY on the first $500,000 (4.00% on the portion from $500,000 to $1M). Paid plans (Pro $15, Smart $35, Premium $55 per month) add accounting, tax and cashback features.

Who qualifies for Lili Core (Free Business Checking)?

Lili Core (Free Business Checking) is for startups in the US. International wire transfers limited to legal entities (LLCs, corporations, partnerships). Lili is a fintech; banking via partner bank.

Do I need to be VC-backed or in an accelerator to get Lili Core (Free Business Checking)?

No. Lili Core (Free Business Checking) is open to any startup that meets the stated criteria, no investor or accelerator backing required.

How do I apply for Lili Core (Free Business Checking)?

Sign up at lili.co; Core plan has no monthly fee and no minimum balance.

How long do I have to use Lili Core (Free Business Checking), and does it expire?

Ongoing; Core plan is free.

Is Lili Core (Free Business Checking) available outside the US?

Lili Core (Free Business Checking) is available in the US.

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