Lili supports six ways to fund your business account. Choose the method that fits your workflow, from ACH transfers to international wires and card payments.
ACH Transfer
An ACH (Automated Clearing House) transfer is an electronic bank-to-bank transfer within the United States. There are two ways to initiate one:
Linking an external account inside Lili (pull into Lili):
You can link an external bank account directly inside the Lili app and pull funds from it into your Lili account. To set this up, navigate to Add Money in the Lili app and follow the prompts to connect your external account.
Using your Lili account details (push from your other bank):
Share your Lili routing and account numbers with your other bank or payer, and have them initiate the transfer from their side. You can find your Lili account details and generate a bank letter directly from the app:
- Mobile App: Main Menu → Account → Account Details
- Web App: Click your name/business name (top left) → Account Details
Timing: ACH transfers typically take 1–3 business days to arrive. Funds are available immediately upon receipt - no hold applied.
Domestic Wire Transfer
Lili accepts incoming domestic wire transfers with no fee.
To receive a domestic wire, share your Lili wire details with the sender. You can find a form with all the relevant details your sender will need under Add Money → Domestic Wire in the Lili app.
Timing: Funds are typically available by the next business day after receipt.
Cut-off: Wires must be received by 4:00 PM ET on a business day to post the same day.
- A fee may be applied by the sender's wire provider.
International Wire Transfer
Lili accepts incoming international wire transfers. Please instruct the payer to send the payment in USD. Non-USD transfers will be automatically converted and credited in USD.
To receive an international wire, share your Lili wire details with the sender. You can find a form with all the relevant details the payee will need under Add Money → International Wire in the Lili app.
Timing: International wires typically arrive within 2–5 business days, depending on the originating country and any intermediary banks involved.
$15 fee applies per transaction. Additional charges may be imposed by the sender's payment provider.
Mobile Check Deposit
Deposit business checks directly from the Lili Mobile App - no branch visit needed.
Steps:
- Open the Lili app → Add Money → Deposit a Check
- Endorse the back of the check — sign your name and write "For mobile deposit only"
- Follow the on-screen prompts to photograph the front and back of the check
Timing & holds:
- Standard hold: 1–5 business days
- For approved business accounts (LLC, C-Corp, S-Corp, General Partnership, LLP): the first check clears within 5 business days of account approval; future checks may clear in 1–3 business days, at Lili's sole discretion
Cash Deposits
Deposit cash at 90,000+ retail locations nationwide — including Walmart, CVS, Walgreens, 7-Eleven, and more.
Steps:
- Open the Lili app → Add Money → Cash Deposit
- Use the in-app locator to find a nearby participating location (select Reload with Cash when searching)
- Present your Lili Visa® Debit Card to the cashier along with your cash
Service fees may apply at the retail location. Check the in-app locator for details before visiting.
Card-to-Card Transfer (e.g., Venmo, Cash App)
You can fund your Lili account using peer-to-peer payment apps by adding your Lili Visa® Debit Card as the destination card within those platforms.
- In your payment app (e.g., Venmo, Cash App), add your Lili Visa® Debit Card as a payout or transfer destination
- Initiate a transfer to your Lili card as you would to any debit card
Timing: Typically instant to a few minutes, depending on the sending platform.
This method uses your debit card details - not your routing/account number. Transfer limits are set by the sending platform.
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.