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When will I receive my ACH transfer (Direct Deposit)?

ACH transfers and direct deposits post to your Lili account as soon as they are received, and you'll get a push notification the moment funds arrive. Timing depends on when the payment was sent and by whom.

Incoming ACH & Direct Deposits

These are transfers initiated by an external payer — such as a client, employer, or payment platform — directly into your Lili account.

  • Funds are posted immediately upon receipt by Lili
  • Typical arrival: 1–3 business days from when the payer initiates the transfer
  • If you've set up direct deposit, you may receive funds up to 2 days early — before your scheduled pay date (availability not guaranteed)

  • ACH transfers do not process on weekends or federal banking holidays

    💡 Tip: If you haven't received your transfer, first check with the payer to confirm it was sent. If they confirm it was sent, ask them for the ACH trace ID, a 15-digit reference number, and contact Lili Support with that number so we can track it down quickly.

Transfers Between Lili and a Linked External Account

These are bank-to-bank transfers you initiate from the Lili app to or from a connected external account.

  • Incoming to Lili (you pull funds from an external account): 1–5 business days
  • Outgoing from Lili (you push funds to an external account): settlement time depends on the receiving bank
  • Transfers only transmit once per business day and do not process on weekends or holidays
  • While a transfer is on hold, you'll see the expected clearance date displayed in the app

Payments from Stripe, Square, or Other Processors

If you're receiving payouts from a payment processor like Stripe or Square, funds appear in your Lili account as soon as they are received. Timing is controlled by the processor — check your processor's payout settings for details.

Not Seeing Your Transfer?

If a payment isn't showing in the app as pending or on hold, it hasn't been sent yet by the payer. Here's how to resolve it:

  1. Contact the payer to confirm the transfer was initiated
  2. Request the ACH trace ID — a 15-digit number generated for every ACH transfer
  3. Reach out to Lili Support with the trace ID, sender name, amount, and date sent

 

Lili is a financial technology company, not a bank. Banking services are provided by Sunrise Banks, N.A., Member FDIC. The Lili Visa® Debit Card is issued by Sunrise Banks, N.A., Member FDIC, pursuant to a license from Visa U.S.A., Inc. The Card may be used everywhere Visa debit cards are accepted. 

Wire Transfer services are provided by Column Bank N.A., Member FDIC. All wires are subject to acceptance criteria and risk-based review and may be rejected at the sole discretion of Column Bank N. A. or Lili App Inc.