Lili - Small Business Finances App Reviews

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Lili is simply amazing…. …at stealing your money, withholding it from you, passing off your claim from employee to employee so there is no consistency in case management, apparently losing or otherwise terminating claims without communication, & then blaming it all on you! Beware, Lili’s customer service is third-party, they do not care about freelancers and the work we do to make an honest living. Lili is not a secure bank, and when funds mysteriously go missing for no fault of your own, you won’t be getting them back. Doesn’t matter if it’s fraud or a simple refund for unused/unwanted merchandise. Get out while you can, and for the love of God & your hard earned money…do not use this bank.

DO NOT BELIEVE POSITIVE REVIEWS THIS COMPANY IS A SCAM. I tried to open an account, went though the arduous process. At the end the app told me that due to ”forces behind their control the account can’t be opened” But didn’t tell me why (which is a violation of the Fair Credit Reporting Act btw) Contacted customer service at least 10 times to try to get it figured out. I received nothing but generic automated messages, days after emailing them. Try to log in it says an account with my phone number is already in use. Try to reach customer service it says “no account with this number is detected” (ok….) So….complete, total waste of time, and illegal. Pretty sure they just farmed me for my info. Thanks a lot. I wouldn’t need apps like this if I wasn’t already struggling with money so thanks Lili for not only stressing me out on top of it for several days trying to figure it out. (AND BTW TO “SUPPORT”: PLEASE DONT WASTE YOUR TIME POSTING SOMETHING ABOUT HOW YOU TRIED TO RESOLVE MY ISSUE JUST TO TRY TO SAVE FACE ON THE APPSTORE. You did not. And if you say to reach out to support for help I will probably have a hernia laughing. I will be contacting the proper channels about the FCRA violation. When you deny someone an account or credit you HAVE to tell them why and give them recourse to fix it. Sort of feel like maybe it was discrimination? Just don’t….)

They a HORRIBLE at handling disputes. I’ve been using Lili for about 7 months and had made an online purchase when I made the payment and the money was taken from my account, I was charged an additional 2 more times and the merchant canceled my order and I never received a refund. I’ve had one conversation with a customer service rep from lilli and was told that I was going to take a long time for me to get my money back and that I need to reach out to the merchant to get them to release the funds. So I call the customer service rep from the merchant and was told that my financial institution (lilli) was holding the funds and that they never received the payment. So I then I began corresponding with lilli customer service through email. Lilli requested that I give details of the transaction which I corresponded every bit of information I had including screenshots of the receipt and the canceled order email with the bank statement showing my card was charged and was told it would take 10 business days for me to receive credit for my dispute. When I reached out afterwards the ten days to check on the progress of my dispute, they told me that needed more information which really feels like they are blowing smoke. This has been a terrible experience and I will be looking for other business options for banking.

Average joe review. I have a really mixed review on this one. I’ve been with Lili for a couple years now. Saying such id like to say I enjoy my experience with Lili however, I have experienced something to make me feel otherwise. Hence the three stars instead of 5. Costumer service is a joke. I’ve been taken care of in 5 minutes and I’ve been on hold for 3 separate days trying to reach a real person. Sometimes when you call, it will hang up on you around the 15 minute mark when your on hold. Aside from this balance up is a wonderful additive to the Lili app. I love how open and easy it is to find different features within the app. Since I’ve started using the pro version I have experienced a lot less trouble and bugs within the app itself. However I feel like some of the features included in pro should be included in the normal version as some of them are super helpful for everyday bank use.

On point 👌👍. Everything so far has been as advertised. Annoying tasks made easy and everything under control in one place. Only complaint I have would be the balance up requirements. I get a lot of smaller deposits/transfers into my account which in total should easily qualify but I guess they require consistent $500 + deposits. It’s whatever just an extra effort to make that happen if I want to have that feature in case I ever need it… instead of letting my funds come in automatically however they come in. But I am overall satisfied with Lili. Everything is pretty much on point.

Great for tax purposes. Lili is great for freelance and entrepreneurs. Being able to categorize withdraws, deposits and purchases as work related or life related makes tax time a breeze. As a entrepreneur and small business owner who sells their services and products online who does not receives a traditional paycheck and makes purchases for business regularly banking with Lili allows me to record what is a business expense and what is not. This makes it simple and easy to accurately keep track tax deductions and gives me the ability to receive the largest tax return I can. As a entrepreneur and small business owner of every dollar I can get back is vital and essential to success and Lili makes that quick, easy and painless!!!

Confused?. I tried opening an account to manage my freelance services and keep better track of expenses as I’m working on bigger projects now. I went through all of the states for verification and then received a text message almost immediately after that read, and I quote, “Thank you for uploading your documents. For reasons beyond our control, we're not able to open an account for you at the moment. Thank you for your interest in Lili.” Excuse me, what? How is that a sufficient response to any potential client of your services? As a professional, I would never send something like this without a clear explanation as to why, or at least with immediate option for redress. I would think a banking institution whose specialty is for *professional* service providers, that they would at least show me the same respect I showed them. And as a brand strategist and designer, I’m even more appalled by the inadequate failure to deliver on what you promise to your audience. I was looking to make my life easier, not MORE difficult. I even looked throughout the website help center too and have found nothing that discusses the application or verification process. This is not ok. Do better.

Lili is the best app for keeping All my money and expenses for working and. I am so glad to have this card it has ever left me to embarrass myself at a check stand looking broke and walking out empty handed, thank you for the extra amenities I have thst save me from worry of IRS problems and also gives me the automatic ability to keep track of it without me getting my credit right and positive if you only had a capital section and offerings for working capital offers based on the data in my account which is only offered by approval without submission of any proof I have to gather up and get to another bank…I’d love to discuss or clarify this to anyone with lili who contacts me. Would blow lili up to us independent worker’s who can’t scramble for documents.

Terrible! Waste of time.. I ordered my card in preparation of starting some free lance work and some independent contractor work. I put the app on my phone, ordered my card, activated my card and before any use was even made of my card, Lili shut it down for “breaking their usage rules”. Considering the card wasn’t used I am very upset by this. Multiple emails with customer service were useless, stating they do not provide individual information and that I should trust their “sophisticated” methods that a correct decision has been made. No appeal, no information why, and now money which was supposed to be coming into that account will have to bounce in limbo for up to 14 days and the mail system which I would never send checks in to begin with. They won’t give me info and I feel like they just collected sensitive information and ghosted me. My review is that we are busy as freelancers and small business owners, I wouldn’t waste your time on this supposed account.

SCAMMERS!!!!!!. Don’t do it stay away!!! I never give reviews and didn’t want to even give one star!! I open an account and deposited money right away. I received my card about a week later. I go to the app to activate and it tells me my account is under review so I wait.. well it has been a couple weeks since I opened account and still same issue so I call give my information and was told my account is closed so I question it and get hung up on so I call back give my information again and get told that need more information but will be done through emails he has no answers or why so I start getting upset because they have my money and no answers and get hung up on again.. I still have not heard anything and still can’t use app or activate card.. it’s a scam don’t do it and the worse customer service ever and they still have my money...STAY AWAY!! THE GOOD REVIEWS ARE FAKE!!!!

Worst banking experience for entrepreneurs. This has been the worst banking experience by far. Are the features an organization cool? Yes! Not being able to access your money the entire banking experience? Terrible. They randomly restricted Venmo transactions, withdrawals, and lastly froze my account with 9k in it right as I needed to pay reps. Customer service said they don’t know how long it will take to unfreeze my account if they will. This is because a wire transfer came in through my business name and not my personal name. What a joke. Customer service hung up on me after telling that Lili might shut down my account if they don’t freeze it and will send my money back to the parties who sent it. In this case I literally can’t touch my own money. How is this an app for entrepreneurs again…? I would literally pay $300 to be able to just withdraw my money and close my account. Update: 4 emails, 6 phone calls, and 2 weeks later.. Lili is still trying to figure out how to review my account. What a joke.

find a different bank. This “banking” app is supposed to be convenient and out of all of the banking apps I’ve ever had, this is the most troublesome. I tried to access the app this morning, it’s not working. I try to pay business expenses by using the card and the card is declined despite having funds. I called customer service, they see it’s because other institutions don’t recognize them as bank sometimes and that I have to call them for access. I can’t link to other banks or banking apps for external transfers like PayPal because “Lili” isn’t a real bank that is recognized by them or my other banks. Other banking institutions literally bar them from access to their accounts. I thought maybe I could order checks, but Lili doesn’t do checks. So I can’t get money in without difficulty and I can’t get money out without difficulty. Also, I can’t send invoices from the app like it promises either, which is the main reason I got it. So I’m using my old booking software. If it were easy, I’d clear out my account, but the only way I could would be to withdraw funds right now would be through an ATM. Don’t put your money here. Never mind the fact that I pay $4.99 a month for all of this inaccessibility to my own business account.

Hope you like not being able to access your $$$. Had no trouble connecting an external account in order to open/deposit funds into my lili account and I was very happy with lili for the first 2 months. Then when I went to transfer money out of my lili acct to the same external acct it refused to connect. I got so frustrated with their less than helpful customer service (“oh that isn’t one of the banks lili can connect to” “then why is it on your list and how was I able to connect to it before???”) I decided to close my account. Except I still couldn’t use an ach to remove my funds. My only options were to do daily atm withdrawals until the account was drained (with a $200 daily limit this would’ve taken way too long) or spend the money via my debit card (No thanks). So I just kept trying to link to the external acct every day and FINALLY (on day 6? 7?) it connected. There’s a limit on ACHs so I still can’t close my account but at least I was able to move some of it to a safer bank that won’t hold it hostage. Hopefully when I go back to transfer more it lets me. I can forgive technical glitches. That’s life. But terrible customer support on top of it? Not when we’re talking about access to my money. I wouldn’t recommend lili to anyone.

DO NOT CREATE ACCOUNT (0 Stars). I’ve been using Lili for just about one year, and out of the blue I received an email that my bank account has been closed with literally NO explanation. I called to ask what happened, and no one could give me an explanation, all the lady could do was apologize and read the same exact email I had already received. On top of that, on multiple occasions that I’ve needed to call customer service, I was left on hold for HOURS and the hold music kept saying “you have one caller ahead of you, there is approximately 1 minute until we answer your call” and I still waited for over an hour until I finally hung up. The customer service reps all have heavy accents and seems like the call center is outside of the country. And although this bank is “online based” I couldn’t simply update my email or phone information on the app, I had to wait on hold again to update my info. The idea behind this bank is absolutely amazing, but the execution was terrible. I would avoid this at all costs. UPDATE: did you not read my review? The email I received had NO explanation as to why my account was unexpectedly closed and the fact that you want me to read the terms and conditions to decipher why in the world you closed the account goes to show your customer service is -5 stars. I’ve worked in customer service my whole life, and Lili reps are the absolute worst I’ve ever dealt with. Thanks for literally nothing.

Do not use Lili they will steal your money. I transferred 100 dollars from my husbands account to mine so I can start using what I thought would be a good freelancer account. Well little to my knowledge you can not transfer money from another account that is not in your name. Ok no problem. But there was a problem, they took the 100 dollars out of my husbands account immediately and never gave me the funds into my Lili account neither did they put the money back in my husbands account. So trying to figure out what was going on I called Lili customer service number and was told three different things by three different representatives which neither of them could help me recover my funds. Now I’m in the process with my husbands bank on disputing the funds transfer so that I can retract the disbursement by an attempt to get my husbands money back to him. Hopefully they do not dispute the dispute. We will see but overall I can not trust a company with my money who is going to act like there is nothing they can do fir you when they take your money and it disappears in thin air. Do not use them if you have a discrepancy they will NOT resolve it for you. You will be left to figure it out for yourself. To make matters worse the lady representative I spoke with had a serious attitude with me like I stole her money. Just don’t use Lili. I recommend Chime and Varo. I have never had a problem with them helping me or them taking my money

Simplicity and feature filled. I’m loving my Lili account! I’m using it for my freelance work, but the way it works would make total sense for our main checking account. The BEST feature is that I’m prompted to categorize life vs work expenses/purchases. And I can make notes and attach receipts to each transaction. So good and helpful! And the auto savings and tax buckets are a really great feature. I actually was about to “deduct some points” for lack of payment methods for invoicing the customer, but I just double checked and I think I just haven’t explored that enough. Maybe it’s not intuitive enough on how to set that up. But, 5 stars for now!

This is such a great banking tool. I am a freelance writer and for me tax season holds more frustration than anything else but now with Lili I feel like my finances are in great hands, I’m a Lili pro subscriber (which only has a $5 fee monthly ) and I get a ton of great extras that seriously facilitate a better understanding of my expenses for my profession like in-app invoice creation and tracking - which is great because it saves me time and headaches in terms on having to keep track of them using a separate application… and that’s just one of the benefits of using Lili! There’s a ton of other great features that I’ve only found Lili to have. I’ve been convinced to keep my account and actively utilize it to be proactive this coming year with all my anticipated freelance jobs and the challenges I face to make certain I’m getting paid the most for my time.

closed my account. edit: lovely customer service is claiming i didn’t reach out when i did. TWICE. haven’t gotten a response. courtney is my middle name. maybe ask what my name is or give me an email to your escalation team instead of being passive aggressive? anyway, dmed them on ig w a screenshot of my review and their response. these people are gross. protect your $$ and bank elsewhere. …. (*ORIGINAL REVIEW*) i had an account with lili for a business i had in 2020. i ended up deciding to go back to university and put that dream on hold in 2022. now in 2023 i have a new business and wanted to use my lili account because i’m making enough money to want to separate it from my primary checking. when i tried to log in it said my profile is under review. when i contacted lili they basically said since my account was not active they closed it which is fair!! however, i purposely kept like $5 in my lili account thinking that would keep it open (which it obviously didn’t) and i never got that money via check or anything. also, they won’t even let make me a new account. when i put my phone number in it says account already active… which is so ??? how do i have an active account, but lili said my account was closed. anyway, customer service took over a week to even respond the first time so i’m just going to consider this a sign and go to another fintech business banking option.

Great organizing app.. Saves time by categorizing your expenditures and estimating your tax savings. The only thing that they could do better at is their customer service. It is pretty slow and with no chat feature makes all correspondence limited to email because it is hard to get them on the phone if they had an instant messaging customer service feature then this app would be hands-down, the best banking app for freelancers and small business or honestly personal banking account ever. But because it lacks that feature, I’m hesitant to give it a five star rating, even though that everything else deserves a five star rating. With the lack of the chat feature, I give it 4 stars.

A trusted bank. I was with chase for a long time over ten yrs but of helping us out after so long and being a veteran 2020 was hard on the bank and when the let us get our only paycheck and put our overdraft on hold hoping a forgiveness but the interest got worst and just to get simpler issue s taken care groceries and of people with better with credit got payment plans for a year and over to pay what you can and the others which was us we got the middle finger and nothing would be done even if we tried. So that’s how you’d loose your so call status. Lili was there to catch me when I was the lowest and no big promises but they did help me get back on track 2 day payday early and no interest for my monthly extra cash I case I get a bad month.

Rating. I’m still trying to figure things out but I love the platform and the options I’m given to where I choose how I spend my money and specifically document what’s every dime is used for and that it’s accounted for by category. The only problem I have is that within the past year (give or take a little), I hadn’t used my card until recently when I added about $59 to my account. Well I’ve misplaced my card but know and have all my info in front of me, but I am not allowed to make any kind of transaction with this card because it says my account is oh hold/locked, due to suspicious activity. If I’ve only made one deposit recently, due to my seasonal freelance work, how is there suspicious activity? I added $50 it on once in the past few months and my account has been locked and I can’t retrieve my money. What’s the point if I can’t use my money?

Support is severely lacking due to policy. Some money was deposited into my account over 3 weeks ago but was paid to my LLC and not to my name due to a simple oversight (probably easy to make in the freelancing world with how easy it is to create an LLC). I have been told for 23 days now that my situation would be resolved within 2 days. I have supplied documentation but it is of no use since Lili doesn’t support payments to your LLC yet. However, now I can’t close my account and this money has been held for over 3 weeks all the while promising a “quick resolution”. Numerous calls have left me speaking to nice and kind people (hat tip to Carlos and Ron) but they simply can’t help due to company policy as it is not their department holding up payment. They can’t forward me to someone in the Risk department. I have been trying to speak to a supervisor for a week now and I am just told they will call back when able. I have been told via email I will receive a call within 3 hours only to have a whole business day lapse and me have to call them because I never heard from Lili. No one can help because the policy won’t allow them to help and they aren’t allowed to forward me to the department who can. I’m sure this bank may be great as long as things are good. However, if you ever need to talk to someone or have a problem like being paid to your LLC instead of yourself, you might as well just pray and hope as that is about your only option.

So far service has been outstanding!. Either through a phone call or the chat box my inquiries have been answered and explained so that I know exactly what’s going on in my acct. I find the Lili app so easy and instead of feeling like I’m guessing I know what and where I’m sending funds. I like feeling confident and your app really is user friendly as is your customer service Dept! Keep up the Outstanding work it really shows. I recently went into a brick and mortar bank to cash a check written on their bank and they said they would mot cash the check unless m opened an acct. I don’t know if anybody else finds that crazy ..? They can see the funds it’s one of their very own checks acct and their customer but they would not honor the check said the amt was too high!!! The local check cashing place could cover it so it wasn’t that at all. When the manager said unless you open an acct I said if I was going to open an acct it certainly would not be at this bank. Over my dead body…. Strong arming people into opening up accts so they can treat you poorly and charge me a fee for everything!! No thanks!

Problem scanning documents to sign up. I have tried for two days trying to open an account. I tried using my cellphone to register. Every time I tried to take a picture of my driver’s license, the screen would have a page covering it. Then it would go back to the previous page. I did this like 10 times. Must be a bug in the program. I then tried to register with uploading documents on both the cellphone and iPad. Each time I tried to upload, no window would open up for document selection. This is crazy. Sure not no three minutes to open an account. The company needs to check the platform for bugs on the registering process. Maybe time for a different app. This app would be ideal for someone doing various gig type jobs or different income streams, IF they could register.

Love Lili app! ❤️. I’ve been using Lili since the beginning of the year and I have had nothing but great experiences with each interaction. Super easy and quick to open an account, fast sending my new card in the mail, no trouble linking to other accounts and cards, works seamlessly with other payment apps, no hidden fees, instant transfers, useful notifications, no spam emails, app is simple to navigate with a useful layout, and even makes keeping personal and business separate a total breeze! Gone are the days of guessing what that unknown transaction was for. No worries, Lili knows! Anyone running a business, do yourself a favor and get this app ASAP!! Highly recommended!!

This is a “No Brainer” !!. I have had lot of cards for my small little dog breeding business I have at my home & all of them have the ridiculous fees for every little thing I would do (atm ,extremely high transfer cost monthly fees ) ! I read about Lili on a social media site. Ad looked good so I clicked the link and read up on this “new banking” for gig band freelance workers & realized that is me !!! So I read the fees and monthly cost 00 for what I need it for!!!! I was shocked ! Ok too good to be true ?? Nope I now have had my cute Lili card , been banking with them now for couple months ! I can’t tell u enough how easy this app is to use ! My income can deposit immediately into my Lilli from my cash App or PayPal (customers pay these two ways ) I can then separate my income into work or life and my expenses are the same !!! So so easy !!! I am looking forward to a long relationship with Lilli Bank and recommend it to u as well !! Next for me a cute designer debit card with dogs on it ❤️ Maybe this year :-) Thank u Lilli for making my life a little easier!! Morgan

Too Many Issues. Don’t get me wrong here, I think what Lili offers is a game changer for freelancers. I am a Lili pro user and I was able to cancel all of my expensive accounting services. It makes managing your business and personal finances east and automatic. My big issues is customer service. I have not been able to use my physical debit card at in person stores for 2 weeks now. I’ve called customer services for them to “reactivate” my card 3 times, only to be told it needs to be escalated. That was over a week ago- I still can’t access my money. Now my card is getting declined online as well, and yes I definitely have the necessary funds in the account, but I’ve reached out to the Lili support email 3-4 times, also to no avail. In fact, I receive an automated response saying they will respond within 3hrs… I have not had any communication in 2 weeks. I’d love to keep using Lili because I love the systems they have in place, but as a PAYING PRO MEMBER, I’m having major issues with no communication on how they can be resolved.

Be very careful with this bank. Do not rely on the app to show you an accurate list of transactions or an accurate balance. In calling them to get a clarification on transactions that don’t match up, I learned that some transactions showing as completed on the app are actually still pending. I have a transaction that went through which I received a notification about, yet it’s not reflected in my balance or showing in my transactions on the app. They just began a new premium service, which they forced on everyone initially, and since then the app, and apparently their record keeping, has been a mess. I am using iOS 16.4.1. After receiving notification of a transaction it finally showed up a full 48 hours later in the app. Currently there is a transaction that has been pending for 18 days. There is no real corresponding transaction, but a hold has been placed for the amount and it’s reflected in my account balance as if it’s actually a charge. Yet another issue.

Perfect for Freelancers. I work a full time career and am trying to get my jewelry company off the ground. I have several side gigs that I also work to supplement my income while trying to build a business. Lili allows me to designate purchases to work or personal. It also allows me to assign the proper tax categories to purchases made for business purposes and upload a photo of the receipt. So no more having to worry about losing receipts, mixing up receipts, etc. You can set the account to automatically withhold taxes and to automatically deposit funds into a savings account. I’m very thankful I stumbled upon Lili. It has been a dream come true for someone that needs all the help they can get with organization of finances.

Should be called hoops bank. This bank started out great. I loved most things about this bank and the app. I love all the tracking options, invoice creation tool, and the additional benefits that are included. All great until it came to actually receiving my money from my clients. I sent out invoices THROUGH THE LILI APP, which went though Stripe. Stripe had my money in limbo for 22 days, sent it through, and now Lili is holding on to it!!! They tell me that they need to verify things before they can give me my money. Which I had to also do with Stripe!!! Why do they not go through all of this when you open your business account with them!!? And why isn’t it communicated between the two entities!!? Why do I have to verify something that I sent through their very own app!!? The hoops I have to go through to receive my money for my business and my family….. Do better.

Great freelance option. I’m really happy with the features and ease of use in my first month. It’s all simple and the automatic tax bucket savings feature is clutch! One improvement I’d like to see is an option to set a rule from certain income sources to NOT contribute to the tax bucket. As a freelancer, most of my work is 1099 but some of it is W2. I’d like to be able to set the income from the W2 sources to not take a percentage out as soon as it comes in because I’ve already paid tax on that. Right now you have to manually go back and update it. Small thing but it would make a few things much easier. Thanks for a great experience so far!

Always has bugs in the beginning. So I’m a freelancer and have been with Chime PayPal Venmo cash app and many more cards. I am tired of paying a monthly fee so I came across Lily and got it. No fees like chime PayPal & Venmo so huge plus in my book! Let alone they help do the financial stuff like taxes and separated from business to personal expenses!! Down fall is if I got paid in cash and went to the store to do a cash load I was unable to do so at Dollar General and Family Dollar!! Do you know how frustrating that’s been that I’ve had to put the money on a different account cause for some reason the store one day was able to take my card to load it to telling me the next day that they can’t because it’s saying declined or card not available or inactive account?!?! I haven’t been able & haven’t tried since April so 8 months now I haven’t even tried. I wanted the card with easy access and better banking. So I hope this has or will be fixed so I can use my account again!!

#1 freelancers mobile banking. All in one for self employed individuals, small business owners, independent contractors, etc; ! Has pretty much every option or capabilities you need as well as the options and different necessary features that will make income tax time much easier and just better all around. And not just for Income tax season this makes banking easier to keep up with spending, expenses, and purchases work related or not so easy and it’s like a checkbook that balances itself and will keep your hard earned money calculated on what’s going out and coming in and also can track your spending which I know is something I definitely do need to always do but this app does it for me. I have found anything it can’t do! As a matter of fact I’m learning more and more that it can do every day

WORST CUSTOMER SERVICE EXPERIENCE EVER!!. Lili was my favorite bank. It easily allows me to manage my transactions. However, their customer service is the worst I’ve experienced. Denying a customer the option to speak to a supervisor is absurd. Let alone being hung up on TWICE by the SAME rep. Smh. I had an issue with being scammed by someone and I was trying to dispute the transaction. I have multiple brick and mortar banks but like the fee less options of online banks. I primarily use Fintech for purchase/interest and b&m for business. I will say all though there is a convenience for Fintech, the EMPHASIZE is THEY ARE NOT A BANK!!!! Getting a refund is hard because they have to follow different rules. This matter was only $10 dollars but this has left a sour taste in my mouth. I ended up contraction their parent company to file a complaint but who knows how far that will go. BE CAUTIOUS WITH KEEPING ALL YOUR MONEY ON FINTECH. I don’t recommend Chime, but that’s probably the best Fintech company for personal use. Try credit unions, second chance banks, etc if you are unable to open a real bank. I only opened a Chime account because the 2 day early deposit and have been hooked to the no fees BUT PLEASE BE CAREFUL WITH YOUR MONEY!!!!

Great online bank. The only reason I didn’t give Lili a 5 star rating is because connecting it to my smaller local Credit Union has been a pain in the neck…. It’s the same all around for almost every online banking card I have found so this isn’t unique to Lili. It’s also confusing finding a no charge ATM, I live in a small state so my options are limited. But… besides those little inconvenience Lili is my go to card to use out of all my online bank cards even over my than my local bank account. You get a virtual card that you can use with your phone or for online payments, there is no monthly fee, and there app is user friendly. I highly recommend using lili if you have your own business, as an extra account, or your main account. Lili also offers direct deposit options. So 4 out of 5 stars and my only compliant is that it wasn’t as easy as clicking a button to combine my lili account and local credit union account. Thank you lili

Awesome interface, extremely poor service. I have been singing Lili’s praises for months because the interface is attractive and intuitive. However, I have recently come across a glaring issue. I needed to dispute two transactions from one merchant. They made it quite cumbersome with a long wait period to even begin the process. Once it started, I was asked to provide proof (which I did provide, two emails from the manager of the business promising me that a refund was owed) three separate times. After many days I was told the dispute was not found in my favor with a reason showing that whomever came to that judgement did not even understand or read the paperwork I signed. I sent an email asking for follow up, it went unanswered. I opened a new ticket which took days for a response which was essentially a non answer. If this is not corrected when I get home from my business trip I will be closing my account permanently and dissuading all others from using them. I should have read more negative reviews here, this is obviously a pattern for them, it is very clear that Lili does not advocate for their customers! Beautiful app, AWFUL service! Be warned!

Happily Surprised!. I was excited for this service before I even made my first deposit! I was ready for calving a bank account that was easy to manage. But still to my surprise, Lily has been able to do things I never thought a bank account could! I get my paycheck directly deposited in two days sooner, so that was neat. I’ve never had that with direct deposit before! But what I love most about Lili is how I can organize and keep track of what exactly I’m spending my money on and how much I’m doing it. I love organizing between life and it expenses and worse and its expenses! Gives me good insight to what I’m spending money on that I don’t need to be doing, lol! I am absolutely in love with this service and I will be a customer for life! Thank you Lili!

Lili Made My Life Easier. I absolutely LOVE Lili. My boyfriend and I run our own businesses so when he found Lili I immediately jumped to getting it! I didn’t want to go the traditional route with getting a business bank account at Wells Fargo or Bank of America so this saved me all the hassle and it was SUPER quick to set up. I also have my own business debit card that they send you and anytime I make a business transaction I’m instantly able to categorize it as a work expense in the app as well as see my yearly tax savings! It feels good finally having my personal income and business income separated! Highly recommend this for someone who is running a small business and just needs something quick and efficient to operate their business expenses!

Is this bank even real??. I opened up an account with Lili over a week ago. Since opening the account I have deposited money which I have been unable to use. Every time I try to connect my card to Apple Pay it says “invalid card”. I have tried reaching out to customer service several times and get the same unsuccessful actions take to activate my card. 4 different times the representative has reset my card and left me to go try and use it promising that it will work to only have the card get declined resulting in me having to call back. EVERYTIME I call the helpline I get disconnected several times before getting to the point where I can even select the option to get a call back. The latest representative told me they needed to connect me to the apple specialist to help with Apple Pay but after being on hold with them for 20 minutes I was told by the specialist that I needed to be transferred back to customer service because they’re not able to do anything of the card isn’t already in the Apple wallet. This entire experience has been EXTREMELY frustrating, I feel like this isn’t even a real bank and that I’ve just wasted several hours of my life and potential earnings dealing with this issue.

DO NOT USE LILI. They will steal your money and their support system (email/phone number) is nonexistent. It’s a shame they’re doing this to small business and freelancers . Update to the reply I received below: this is partially true. I’m still missing funds! And again your customer service has been atrocious to deal with . No one answers the phone and no one responds to email . I wasn’t notified by anyone , I spent hours calling to finally get in touch with someone who “couldn’t help because they didn’t have the authority” and so now I’m currently waiting for a response again. Lili bank you really need to work on customer service and handling a clients funds better. This our money and our livelihood and our sanity you’re taking away from. Update again: Since this is the only way I get a reply !! What kind of customer service is this ? I understand why my bank was closed which still doesn’t make sense but I have no desire to keep an account with Lili banking ever again. The real concern is how can I get my funds back !! No one can answer this and this is stealing . I won’t stop until I get my funds back . Feel free to respond to my emails with information about my funds that were deposited and I never had access to before you closed my account . Again I highly don’t recommend Lili !

Beyond 5 Stars!!!. I’ve never ever in all my years using the banking systems have experienced the top notch customer service that Lili provides!! I emailed them with a concern outside of business hours and immediately received a response. The communication is clear, prompt and quick. I’m so excited to start using this business checking account for my small cleaning business. My organizational skills are next to none but with Lili banking it’s all taken care of for me. If you are self employed like myself this is the account you’ve always needed. Forget those bigger branches with long wait lines & rude tellers (that’s my experience) With Lili it’s personal and with other bank branches your just another account number.

The BEST. I have been a member of the Lili Family for over a year now and if you are looking for an Account for your Business then Lili is your upmost overall BEST Business Account to have! There are so many Benefits that Lili has to offer within the Lili App from invoices to help with your taxes to P2P transfers to up to $200 in overdraft protection as long as you have Direct Deposit but what I absolutely LOVE about Lili is the convenience of having INSTANT withdrawals deposits and transfers! There isn’t many Business Accounts that offer the convenient benefits that Lili offers! The Customer Support group is absolutely amazing and they are the most kind people who are always focused on their members and what is in their best interest! If you haven’t joined Lili yet then you are definitely missing out on the absolute BEST for your Business! Thank you Lili for EVERYTHING!

LOVE IT! Organized! Convenient!. I really love how easy lili makes it to send invoices and categorize my expenses. I no longer have to use multiple accounts just to keep track of business expenses and life expenses. They have a great referral program, and I’ve got several friends who actively use Lili now too. I might even upgrade the kind of account I have to their PRO account. If I had ONE complaint it would be there’s no INSTANT TRANSFER or P2P options in their free standard account (not sure if in pro either, but I don’t have that account). Also, transferring money in Lili from another bank account takes longer than any other banking app, bank, or money account I have. It’s not unusual for me to wait 2 weeks or more for funds to hit my Lili account from another account, even when submitted thru Lili. I would like to have just one or two apps for all my needs and if Lili offered instant or 1-3 day transfers between linked accounts and/or an option to send money to another lili user instantly, I would migrate entirely over to Lili. But overall, I love it!

Comparable to Chime - better then “Prepaid Debits” !!!. I’ve Been using “Chime” for about 9 months and love it and just got my “Lili” card in the mail. Immediately it linked to my Apple Pay and was able to deposit. Something chime is unable to do. Chime will let you deposit but not instantly takes 2-3 Business days. But lili went instantly so I’m very happy about that! Used it at a couple stores and was able to itemize what I bought into categories, since I own a business it’ll be extremely helpful to instantly be able to see when I spent things personally vs for the company! A definite plus! So far I’m extremely happy, can’t complain! To top it off there covered and backed by a bigger bank so your money is absolutely insured up to $250,000!! That’s awesome, that’s just like any normal bank... WITHOUT the headache of going into a bank and giving them this and that info sitting and waiting for a half hour, talking to someone, waiting for your debit to print and an hour later you Can finally leave with your account. So I can honestly say I 100% (so far .. will update in a month) would recommend this card to anyone. Especially just to have another account for savings or personal spending! Grab yours now!

Lili business checking app.. This bank account is awesome for the small business owner. All the way through the spectrum from using it solely for cash jobs or little side projects all the way to running a full on legitimate business above the table. It takes all the guessing and any extra work at all related to keeping track of cash flow, receipts and expenses that are tax write offs at the end of the year. Before I had this app I would say that I missed over half of the expenses and sadly receipts that I was able to use as write offs during tax time, because I was either too lazy, lost track or the receipt itself or was just too busy to stop an file things properly. Now it is done for me as I make the purchase, a copy of the receipt if filed with it and I don’t miss a thing! I could go on and on about how amazingly useful this app is but I think you should find out for yourself? You won’t regret it! It is a great account that keeps you posted on news that will help your business grow and anything else you could possibly need in order to keep everything organized and running smooth! Check it out? It will help for sure! Especially if you do not enjoy paperwork like me. I greatly dislike paperwork and now have much less to keep up on

I experienced illegal discrimination from Lili. First, please do an internet search for Lili reviews to see how biased these app reviews are! Their reviews everywhere else are unanimously terrible and for a reason! Lili received over 100 complaints from the BBB in the last year alone! All of this info is publicly available online in a quick search. Today I spoke with a Lili customer service rep who identified herself as “Niki”, she refused to assist me with my issue, and she refused to transfer me to another team member who could assist me. When I told her I needed to resolve the issue via phone not email because I am disabled she pretended she could not hear me. When I spoke about anything else, she could hear me perfectly fine, but when I repeatedly told her I needed accommodations to assist me via phone due to my disability she lied and told me she couldn’t hear. When I informed her this was harassment and disability discrimination she told me “I’m sorry you feel that way” and hung up on me. Lili harasses disabled customers and refuses to assist us, which is illegal and a direct violation of the American with Disabilities Act. I’ve filed a complaint with the ADA and will now be speaking with an attorney.

Awful customer service and awful app. This company is given good ratings and I have no idea why. Here is what you need to know before you get a business bank account: 1) customer service representatives are not available 24/7 and they are in another country not the US and they will not answer your questions, 2) you can not see any transactions that are available in real time, 3) you can not see any transfer transactions from external banks, 4)there are no supervisors available and they will claim that you will get a callback in 24 hours. Good luck with your business checking here because it is better to have an established bank account in the US like Bank of America, Chase etc if you are doing business in America because they will be able to actually help you with real time transactions, excellent customer service and supervisors who are available. This is not happening with this company unfortunately.

Less than 0 customer service. After using this bank for 10 months now, I can safely say the five star reviews cannot be real. Their customer service is horrendous. If you ever have a question or concern you can forget about having it solved. Depositing a check is a huge pain- the software is awful. I don’t know how many times I’ve had to resubmit checks- and this just adds to the DAYS it takes for you to have access to your money. Speaking of taking days- I don’t understand why there’s such a huge lag between paying a bill and then taking it out of the account but it becomes a mess, quickly. And if you receive funds from a payment software, be prepared for it to take a few days to actually see it in your account. Several months into having my account they notified me they didn’t have a piece of paperwork they needed and just stopped letting me deposit money. This is my business bank account- it’s a huge issue! There’s also a $5,000 limit on deposited checks which also causes a lot of grief. I got sucked in by their “bucket” system (transferring automatically to a tax bucket, etc) but it is not worth the grief of this company. They are incredibly non responsive and this has resulted in more headaches than help in my small business. Switching banks is such a huge pain and I deeply regret switching to Lili (also known as choice bank- that also gets fun for when people want to do direct deposits and can’t find your bank!) and I don’t recommend it to anyone.

Physical cards don’t arrive, digital cards don’t work with Apple Wallet. I created an account with lili a month ago. My card had an initial arrival date of Feb 9 (14 days after account creation), but then on that date I noticed in the app it adjusted itself to Feb 14 ETA. It’s now Feb 16, I still have not received my physical card, and I’m unable to add my digital card to Apple Wallet. I’ve spoken with customer service numerous times and no one has offered a solution. I cancelled my first card and ordered a new one, but the new digital card can’t be added to apple wallet either. I asked if they could expedite the new card to me, but they want ME to pay for the express shipping. I tried explaining to them the error is on them to resolve and requested to speak with a manager but was told that wasn’t an option. Their customer service is clueless and unhelpful. In response to their comment below: I’ve done that. It’s now been more than 2 weeks, since my issue was escalated, with no response from their support team. I’ve tried following up, but get nothing. Calling them is pointless, since the first level of support will do nothing more than read canned responses. It’s infuriating how little they will deviate from script, basically ignoring anything you say. The best they can do is “escalate” your ticket, which just puts you into purgatory like I’ve been for weeks. Stay far away from this “bank.”

Great for freelance. Works good for freelancers and many more. Has a feature where you can set some money aside for emergencies each day when you have deposited into your account or maybe have in already just set a certain amount to set aside and it automatically does the work for you and you can withdraw at anytime when its needed the most. Most of all it leaves you recipes of your purchases with the company you shopped at and location with address. So incase you lose your card and some how gets used somewhere you are not at, you can see where on the app, call the company, and you can go from there. You may see more once you’ve joined team lili.

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What a scam. This “bank” is crap. Applied for account, approved. A day later, they closed the account and didn’t provide a reason. A week later, I get a card in the mail. I call customer service- outsourced to Philippines, and they can’t explain anything to me. They want me to reply to an email they sent instead. So just so we understand, whatever money you fund that account with can and will be frozen and held until they return it. They do not provide reasons, and they will not help you. If they CAN help, good luck understanding what anyone is saying when you call. Better not risk it with this company. Ran out to a nationwide, American Bank, opened a business account with no issue. Thanks for wasting my time, Lili! Updated to add after developer reply: There are no opportunities to address the reason it was closed. There are none given. For all I know you’re denying accounts based on race. Who would know? No offer of a consumer file is offered, no metrics to base your denial on. It’s not appealable, and therefore, it’s a waste of time. Your service is crap and not transparent. Your customer service doesn’t speak English. Your company isn’t interested in providing the required disclaimers and reasons for denial per US law. But good luck!

I’m in love, but I’m waiting.. I was in a relationship with Azlo for many years. I thought we were happy, but they, unfortunately, ended things. Luckily, Azlo cared about me enough to make a list of friends to meet up with, and that list included Lili. As I read through that list, my decision to date came down to Lili or Novo. My gut feeling was heavily leaning toward Lili. Still, the more I dug in and learned about Lili, one thing became clear, she isn’t mature enough for me yet. Lili is stunning and has endless potential, but I’m a little older, I’ve traveled the world, and I’ve established many businesses. I’m looking for stable long-term commitment at this point in my life, and in my heart of hearts, I know Lili can’t give me that right now. I need someone who can handle more than a thousand dollars a month in transfers and deeply integrates with others. And while her App-artment is excellent, I need someone who has a house online. I’m in love, but I’m waiting. Signed yours truly, Aaron George

Not ready yet. I was hopeful but Lili failed me. First off, note that the app is well designed and developed but it’s your only entry point. There is no website, no iPad app. I had trouble with sign up and had to reach out to support, who told me to just keep trying, even though it was an error on their side. Then when I ran into issues with a change of address, I reached out to support again only to not have any ability to reach someone. That led me to decide I can’t trust the bank and wanted to close my account. But again, I couldn’t reach anyone on the phone and had to ask email support 4 times before they closed my account, again claiming I should just try again and that I didn’t have an account. Basically, the concept is good (and needed) but the features aren’t prime time yet and they need to heavily invest in more customer service. It’s a bank... the one place you NEED 100% customer support.

Perfect for Tattooers. I honestly really love this app. I never have to worry about being broke because of paying taxes at the end of the year. It pulls out the tax percentage out of everything I deposit. I’m also able to organize purchases and it gives me an estimate on tax savings for work expenses. I’m even more happy now that I’m able to immediately file the expenses from my Apple Watch after purchases instead of having to open my phone and then the app. I’ve been bragging to all my coworkers about it. It takes a huge load off of my shoulders.

Makeup on a Pig. Upfront it looks nice and similar to other platforms out there. It has a basic tier of customer service, all of which are very elementary. Have a check deposit issue? The same canned message will be sent; they have no way to respond with a solution to the issue so it can be fixed. Even when sent to the “special department” the same response comes back that their was an issue with the check. And if you ask for more input they do not respond. They are also largely incompatible with Plaid and Trustly among others. Need a change? Speedy canned response followed by we sent that to a special department. Okay until you have an issue that is not even complex.

Lili is THE BEST. My Lili account is literally the BEST banking experience I have ever had in my life. They have always been very accommodating if I have any sort of dilemma, which have always come from something to do with my own self-inflicted issue ( i.e. changing my email, phone number, or billing address). It’s usually involving a change I need to make to my log in information in order to log into my account. I absolutely LOVE the tax-bucket option, I think it’s phenomenal, and has been super helpful to me. They’ve seemed to have a steady flow of improvements in the app and give you a timeframe of when to expect an upcoming feature. 5 out of 5 stars on Lili, without a doubt!

Great banking app!. I’m honestly really glad I found this awesome freelance bank. I just wish it worked with some of my finances apps - the main bank company isn’t recognized by a lot of finance apps that use Plaid to integrate. But regardless, it’s so useful for freelancers and the tax bucket is a great way to save a little towards your taxes throughout the year. I really appreciate how much this bank cares for it’s customers, especially during this COVID times, the bank has constantly sent me useful articles by email and nothing but helpful info specific for independent contractors. Definitely recommend!!!

Horrible service. I wish I could give no stars This company still has not returned funds from my closed account that has been closed since June. When I call they hang up on me. What they are doing it’s against the law but I have reported them. Update-we have been going back and forth with you all since June about getting the funds sent and you all have not done so so stop responding with lies Update-you all keep responding via review I can’t get answer and you all hang up the phone this has been going on since June you all have told many different stories and now it just come to you all hanging up unacceptable before I can finish a sentence you all hang up. I don’t call with disrespect or anything and constantly I’m bein disrespected sad but it will be handle

Poor customer support. I am going to be closing this account for 2 reason. One they put a hold on a large sum of money that was direct deposit sent to the same name I recieve direct deposit from every month for the last year ( never an issue before). My livelihood is at stake and yet these people are in absolute no hurry to help. I sent my proof of identity and documentation 24hrs ago. I’ve gotten no reply email back stating they received my email and are working on the issue and if you want to speak to a supervisor, forget it. It ain’t happening. You guys are dealing with peoples money that supports there family and yet the lackluster scripted responses and the inefficiency to get matters like these resolved should be a lot quicker. Don’t bother with this banking app as if there’s any issues ( which do come up) you can’t get anyone to help you resolve it in a timely manner

The WORST ABSOLUTE WORST. I’ve emailed over 10 Times and sent reviews and spent countless time writing online reviews- I’ve even emailed to you at the escalations email address and still no reply. You guys haven’t responded to my request for provisional Credit and I’ve called and emailed about This TOO MANY TIMES. You’re also trying to steal another $5500 from me. And I’m not the only person you’ve done this to. My absolute loathing for your company is to say the least. I can’t even get anyone to talk to on the phone. You guys don’t care Anything about your reputation and that’s a first from a “bank”. UPDATE: I did not receive a response from the dispute department or anyone else… this bank seriously doesn’t care about keeping their customers. I didn’t realize how many people had the same experience. There are plenty of BAD REVIEWS regarding similar issues! A Shame

Easy to Use, Makes Banking Fun!. This is such a great app! I thoroughly enjoy how easy it is to organize and categorize my purchases, upload my receipts and attach them to my purchases, automatically save for tax season, as well as the Balance Up feature for when those harder times happen. As a 1099 contractor, I can’t tell you enough how much easier this makes my life. And for all the extra features Lili Pro provides, I think it’s such a steal at $4.99 a month. Lili makes banking fun and takes the hassle, horror, and horrible uncertainty out of tax season.

Self Employed??? Get Lili ASAP!!!. I love my Lili Pro Bank Account!!! Lili is the perfect bank account for those who are self employed, full time or part time Gig worker, Independent Contractor, and/or own a business, what ever title you want to throw at it… you have to get Lili!! Lili makes personal & business banking so simple it’s like Reading one of those “Business Banking 4 Dummies” books!! Lili does it all from personal budgeting to tracking & categorizing business expenses. Everything you need right there to keep your personal finances right on track along side your business finances. Go!! Get Lili!! You will thank me later

Do humans work here?. It’s unfortunate I have to leave a bad review for an app because of their horrific customer “support”, but I’d hate for others to get looped in to this company if my experience could have saved them. Sign up was east. App is ok, above average. Out of the blue my account got flagged and I tried calling to find out what was going on. The rep I talked to gave me a line that he couldn’t help me because he wasn’t in the right department and as I was asking how to get in touch with that Dept, he spoke over me and told me that was all he could do and hung up. I’ve since tried calling back twice and the automated system hangs up on me after about 3 minutes. I’ve also yet to get any response from their support email (no, it’s not in spam). At this point they have my account locked so I can’t get to my money and I can’t get in touch with the company! Worst banking experience of my life!

HIGHLY RECOMMEND!! 😎. This is an amazing app! I love it, I get deposits early, alerts on my balance, money that comes in and when I should add more funds. everything is all broken down as far as expenses yearly, quarterly and monthly. It helps me budget and also know what to expect as far as taxes. This is a GREAT card/bank.. I get all my government deposits sent in with no issues. This bank saved my business, saved me time and also stress. I would HIGHLY recommend.

It’s great if…. …you’re only working with digital payments e.g. Venmo, Stripe,etc. it takes entirely too long for checks to deposit. First they have to review your deposit for acceptance (it took 48 hours last time) then it takes 5 business days for it to post. This is ridiculously slow and almost a deal breaker for me. I say almost because I am only getting 2 checks a month at the moment. I will have to go elsewhere if the checks pick up. On the positive side, I like the tax bucket feature and use it extensively to ensure that I am tucking away my quarterly taxes appropriately.

Great Card. Great card but could use some improvements you say you have balanceup for overdraft if needed but if you ever need it it gets declined so what’s the purpose to have it is this just some thing that can be used for only certain things or is this to protect you from overdrafting seems like it’s only available for certain things so some improvement on that would be great I mean we do pay a fee every month to have your services yet get declined when we need to use our balance up fix this and I would probably move my entire checking account over to you all!

I was really happy with Lili until today!!!. So we’re all running our businesses during one of the hardest times in recollection!! Lili /Choice Bank should be doing ok with their business plan....Every time I try to call lili, they play a song and hang up on me. It takes a call back to get a real person to return my call. I deposited a check from a customer through the app today (I really need the $)! It takes almost a full week for lili to process and clear a check (the competition will give a portion of the check on deposit and the remainder in 24 hours). This is pretty disenchanting!! I asked lili to call me back and they did.... all I got when I asked for them to help me was a rude no. Customer service is still important in our world and you guys should learn that you make money from our work, and you might throw a customer a bone every now and then. It can make a relationship so much stronger. I know that because I deal with it in it own business. Not impressed lili......Are you trying to mimic a prepaid visa, or helping your customers thrive. Today you look like another chime

Worse bank ever. I’ve been using this bank for a year to have my business money deposited here. I recently had a deposit sent to my account on December 28th. They placed it on hold saying they needed to verify it. Which is cool, but when I spoke to the rude representative I was told 3 different things. I was told I would receive an email by the end of the day. Then told I would receive the same email I was waiting for in 24 hours. 24 hours passed I called back only to be told 72 hours for an email that was week again. Still nothing none of the reps can tell me anything about when my deposit will be released or returned to sender. They can’t tell me anything other than to wait for an email. I even emailed the requested documents and still no respond. Definitely closing my account I wouldn’t recommend this bank to anyone.

Intuitive and straightforward. I have only been exploring my Lili business account and debit card for a few months and already can report how awesome it is! Straightforward and intelligent design, easy to navigate and no unnecessary details or features to busy up the navigation. Has a tax saving feature that is very handy. Offers education for free to members. Allows easy way to sort expenses for tax purposes. Keep it going! I’m excited to learn all the things Lili has to offer!

Lili customer support will respond to your email inquiries in 3 hours or less!. I’ve already written a review of Lili prior to this one, but I’m writing another one here to share something that people will want to know about Lili’s customer support. A few minutes ago, I emailed Lili’s customer support with a question about my account. With pretty much any other company, you get an email acknowledging their receipt of your email, usually saying something like “We’ll get back to you when we can!” or “Expect a reply within 3–5 business days.” Lili does thing differently! Their policy is actually to make sure you get a response within 3 HOURS! Can’t beat that, right?!

Love it!. It’s very user friendly, makes banking easy. I like the notifications when I get a deposit too, fun and makes it exciting as a small business owner with the dollar sign emojis etc! I would say the only downside has been I could only transfer a certain amount into my account (business) to start which prevented me from using a lump sum of personal funds to fund this account instead I had to write down everything I was paying for with my personal account line by line to expense later in the year.

Edit: Great Organization. It helps me stay on track with categorizing business and regular expenses without it being a complete anxiety-filled task! Love it! However, called the 1-800# to talk to a rep about a check not being able to be accepted…he halfway explained why it couldn’t be, told me to get them reissued, said any other explanation would be sent via email, didn’t even let me get a word in edgewise, didn’t ask me if I needed help with anything else (which I DID), then hung the phone up in my face. And with nothing actually resolved. Having a company reissue a check can take weeks! And if it comes down to the format/look of the check, getting it reissued won’t make a difference. Honed this experience really ticked me off. And I’ve seen other complaints about making check deposits, but thought nothing of it. If this is going to be a regular problem I’m gonna start looking for another card/or bank RIGHT NOW! Really, that was SO FLIPPING RUDE!!!😡(And unprovoked I might add. Heck I didn’t really get the chance to talk let alone be any kind of disrespectful.)

Great app. This card has been super easy to use, just like any debit/credit card. I love the fact that you can categorize your life and work expenses into two different categories. It sends a message each and every time my card is used so I’d know right away if someone else was trying to use it, and it sends a text anytime my balance drops below ten dollars! A lot of other prepaid cards don’t have these features. I love this card and will continue to use it.

Skeptic Turned Believer. I’ve gotta say I’m normally very wary of brand new stuff that is well-branded but Lili has exceeded my expectations. I just started my own LLC recently and needed to open a business bank account. Lili has made getting paid and transferring money in and out of other accounts seamless which is clutch for keeping my finances organized and tracking the money coming in and going out. I haven’t had any issues yet so at this point I highly recommend!

Gami Rocks. I have been with this bank for a while now and I’m super impressed with the simplicity of this account. When you log onto your account you basically have charges for purchases right on the top and you swipe right or left depending if the purchase was business related or personal. It instantly calculates how much in taxes you saved immediately after you add to business. I do have to say that at times it’s a little difficult to speak to someone but representatives like Gami make up for it 100 times over. The account is very user friendly and down to earth. It cracks me up how some of the messages pop up like “your money is in the bank🤟”

Terrible banking very limited options and services. This is the worst online banking service I have encountered. They have very limited services and do absolutely nothing to help you unless it is profitable for them. Your digital card is identical to your physical card so you have no back up. Then you end up waiting 10 days with no way to access your money because both cards are canceled in the even hours are robbed and lose your physical card. I’ve never called Lili and even once gotten yes we can help you. Always no no no no. We don’t do that. We don’t have that. I can’t wait to change my direct deposit so I can close this acct. so not worth paying a monthly subscription fee.

Invoice Feature is not usable - Unfortunately :/. I am a new user to Lili and mainly picked it up to utilize the invoicing feature for my business. You are unable to record smaller payments than the full amount - which is hard to believe!? Most of my projects require a deposit from the customer, Lili only allows you to “Mark as paid” for the entire invoice. Also unable to send a simple reminder requesting payments, without sending the same invoice email again. And lastly would love a bit more customization with setting up the invoice. I am unable to write out the terms of the invoice or change what is sent in the email to the client. I would happily recommend Lili to other business owners seeking simple invoicing if these changes were amended!

The worst. Lili is great if you’re setting up banking for the first time. But if you are switching to Lili it is 0% helpful. Make sure to look at the funding limits (Google and you’ll find a chart). You can only send $200 at a time by ACH transfer and $100 by debit transfer. And each transfer takes over a week and a half. So funding your Lili account when you first start is impossible. You can’t setup transfers from things like Square because Lili doesn’t support transfers like that. So what am I supposed to do with my money from clients? I never even got to look through the features it offers because I’ve just been waiting (a month) for $400 to transfer into my account so I can start using the card. Can’t wait to see how long it takes to transfer that small amount out to my new bank. You guys have a lot of work to do.

Good bank, why $pay for pro?. If you end up choosing the Lili pro subscription, good luck ever downgrading to the standard free version. For myself I decided after a few months that Pro is not needed, the cashback options are pretty limited and I don’t need to create and send invoices regularly for my business. Despite having a nice UX and being able to change everything else about my account in the app, there is no possible way to change your account subscription. There are no tickets on this in the help center, so I went to the chat bot. The chat bot directed to email me their support. Their support responded with an email that said I had to call customer service to change my account subscription. After being on hold for two hours I hung up, and got an email recommending me to email their support. The app is great otherwise, so it caught me off guard to see them blatantly give you the run around when you decide you don’t want to pay their monthly subscription. I’ll update this review to five stars if one day I open the app and they have made changing your subscription as easy as everything else, until then I’ll just warn people not to pay.

Best Bank Account I’ve ever had hands down.. Lili is like a breath of fresh air, they don’t have any tricks up their sleeves like the traditional banks. I’ve never had to worry about overdraft fees, my money always comes before I’m even expecting it. I love how I can freeze my card to stop transactions I may have forgotten to cancel. There are no ways to deposit money physically and no checks, but who really uses them anymore? Lili is compatible with your Cash App, Venmo, Square and Zelle accounts for fast receipt of your money, I really appreciate a business account and bank that treats me fairly. If you are in the market for a business bank account Lili is more than exceptional.

Making business banking better. I’ve tried three different business banks before banking with Lili. Two were brick and mortar with unpredictable fees and unpredictable people (attitudes). Then I signed up for an online bank account but it was a difficult process and it denied my business but I don’t even know why. With Lili the sign up was easy, everything they asked for was clear and I was approved in minutes. Once I get my first deposit they helped me to set up a tax bucket so a percentage of my income will ALWAYS be put aside for taxes automatically. I really like that!

Card arrival date keeps changing. So far I’ve enjoyed Lili, especially the resources on the website for freelancers. But, I’m starting to wonder if I’ll ever get my actual physical card. The steps for the card (as it says on the app) says “Embossing”,“Shipping”, and “Arrival” after everything is set up. My concern is that my card’s arrival date keeps getting further and further starting from January 16th, now to January 23rd as of 8:50pm, but it was on January 22nd at 9:00am this morning. Will I actually get my card? I like Lili so far and want to continue using it, but I’d feel more comfortable with a physical card in my wallet.

I really appreciate this bank. I think the advantage I adore the most about the Lili debit card is it’s accepted as a traditional credit or debit card, and not just a prepaid card. I’ve been rejected several times in the past while trying to checkout online with…. another popular prepaid card (that’s been around for a really long time, and you’d assume online retailers would view it as a trusted bank source), and the transaction wasn’t allowed, reason stating they don’t accept purchases made with prepaid cards. I’ve never gotten that with a Lili card.

Only issue is check cashing. I have had Lili for over 2 years now and although I love the actual app and using all the features, my only issue is the length of time it takes in order for checks from jobs takes to clear and become accessible in my account. Granted I do understand the verification process and Lili isn’t a traditional bank non the less if there was a way to speed up the process of funds being available, I would for sure give this review a 5*.

Completely Ghosted. I’ll update this review if they ever get back to me, but at the moment this may be the worst customer service I’ve received for pretty much any service (let alone a banking one that has my money). I usually ignore 1 star reviews but now I’ll start taking them seriously. Lili said they have shipped my card but it never arrived. Checked my address and it was correct. So I asked them to cancel that one if it was a postal mistake because I know it’s not their fault, but I never got confirmation they actually cancelled it. I got back to them telling them that it is the correct address and I got no response. Now I have to reach out again and start the process all over. Keep in mind it has been one full month and they cannot even ship my card. Probably cancelling this soon if there even is a way to do it.

Worst Bank Ever. I’ve never had more issues with a bank in all my life. They rejected a corporate check multiple times, then wouldn’t accept any more check deposits. They wouldn’t allow large deposits and wouldn’t take checks unless you have direct deposit minimums first. I’ve never had a bank not want my money. The customer service took hours to attempt to resolve the issue they said was a technical error, and then would say they’d return my phone call and never did. There’s a huge disconnect between the agents you call and the actual company. After 3 weeks of the check issues I closed my account and went with Bluevine instead.

Never been happier with a debit card like this before. This card is Amazing! The Lili card helps me with my business tax savings. It keeps my purchases separate you can choose if your purchase was life related or work related. The new cash deposits is just what I was waiting on. The customers asked for that feature and Lili delivered. The several free ATM are all over nationwide. I travel a lot and I’m always blocks or 1 mile away from one of the free fee ATM’s. This card is hands down the best card to have for freelancers. Thanks Lili Card this is just the type of card a lot of us freelancers have been waiting on.

Easy and convenient. Real life customer support would be the cherry on top.. Been using Lili for my part time side work and money, but new to using Lili for my all my finances. My job doesn’t provide direct deposit, so I am hoping that my mobile check deposits get cleared and show in my account quicker, (my last mobile deposit took over a week unfortunately)…but other than that, so far so good. Wish there was someone LIVE to chat with when I have questions. Good app, convenient, and glad to have something to use other than “big banks”. Thanks Lili.

Bank did NOT return my money. Opened an account with $200 early this year. Closed it in February because the features didn’t fit what I needed. They told me 2/2 that I would receive the funds back to originating account within 3 business days. Followed up on 4/28 as I never received money. They responded on 5/10 and said they may need to issue a paper check and confirmed my mailing address. I reached out on 5/20 as I still hadn’t received a check. They never responded. I reached out again 7/7, still no response. I left a comment on their Instagram saying I never received funds. They DM’d me asking to confirm email address associated with account- message was seen but not responded to. So here I am, almost 5 months later, leaving a bad review in hopes this doesn’t happen to anyone else.

Scammers! Do Not Set Up Account!. I set up a business account back in August. I set up the standard account and was charged $5 for Pro. Customer service credited the $5 charge but charged me the next month. I cancelled my account because they couldn’t take care of me as a customer. I still had $700 in the account. I was advised a check would be mailed to me for the remaining funds. This was September of 2021. It is not December of 2021 and I still haven’t received my money. When I reach out to there support via email or social media, I get no response. I looked up the owner on LinkedIn and haven’t got a response. The whole thing is a scam and they’ll take your money. I’ve submitted a complaint to the Better Business Bureau.

Ok but need some changes. Overall my experience is good, however, I don’t like how they temporarily hold more than what I paid for. If I don’t add a tip, I feel like they shouldn’t take it upon themselves to do it. It’s honestly about to make me close my account! -update, I know that’s what y’all do, I don’t like it because of I didn’t ask for it, it shouldn’t be taken. I have regularly clients who I treat lunch and my transitions declined due to the 20% lilli decides to temporarily hold, which is embarrassing and wrong. We tip in cash, so if tip is not provided via card, lilli shouldn’t decide to automatically do it themselves!!!!!!

Can’t transfer from another bank account. Creating an account was very easy, but actually USING it is terrible. I have not been able to transfer money from a linked bank account since I got my account because of a glitch with the app. It’s been 2 weeks now of this. I’ve sent email requests to support, and after a couple of responses and a request for a screenshot, they GHOSTED me. I’ve sent 3+ emails following up and saying I can’t run my business this way, and NOTHING. When I called them on when this first happened, they said they will work on it. The customer service rep obviously had no idea what she was talking about and just gave me an empty answer with no real solution. And it still hasn’t been fixed. I plan to close my account because if this is an indication of how they deal with potential issues, I don’t want the headache.

Security? Disputes uncredited for up to 90 days???. I’ve had to deal with the perils of identity theft and this company makes it much more difficult. How is a fraudulent charge investigated for MONTHS before it’s credited back? No preliminary credit whatsoever, so if your account/card are hacked you’re on the hook for the missing money until they figure it out. Also, my entire account got hacked and a fraudulent ACH went through immediately. There’s no customer service on Sat/Sun (they say they’ll respond via email but they absolutely don’t). Imagine having your account drained by fraudulent ACH on a Saturday and then being unable to contact a soul about it until Monday? I’m waiting on hold as I write this to see how fast they give this back to me. I’ve never been so disappointed in a banking/financial company.

SCAM AND JOKE !!!. Opened an account through mobile app... got constant emails and in app messages asking me to add money to the account before I even got the card in the mail ! After receiving my card, I find out they have no customer service by phone, no service through “in app” messaging, and if you send an email to their customer service team, they can take up to 2 business days to respond !!! And when they do respond, they don’t even answer the question on your email ??? They just mark it as complete and closed when they reply, and that’s it !!! Seriously ??? And you actually expect us to give you our money ??? How stupid do you think we are ??? I immediately closed down my account and shredded the debit card !!! This company is a joke.

Owner operator. Since I’ve been a customer or a client of Lily finance they have been very professional all my monetary transactions have been fast and courteous very accurate and very user-friendly the app makes everything fast to understand your money is at your convenience accessible 24 hours a day seven days a week oh money transfers or deposit multiple locations anywhere awesome. It’s a no brainer ! Do you want easy accessible finances no hassle free no waiting in line, Lily is where to at. Period.

Amazing is an understatement. As a freelancer I am busy and often the last thing I care to think about is my expenses until it’s too late. I’m a creative, and math is not on my list of skills. I’ve gone through banks, lots of banks that were supposed to help me. Finally, I found one that is perfect for everything in my world. It’s so easy. Every transaction is detailed for me and all I have to do is swipe left for life and right for business. That’s it. The aopp calculates my savings for me. Every day I get an update of where I am financially. I have had ZERO weird charges. This is heavenly. Thank you Lili!

Easy to use, has all the perks of a real bank. I love lili. It’s quick & easy to sign up, you get your debit card really fast. & the best parts you don’t get often w other banks, like $100 cash bonus when you invite somebody, (if they make a direct deposit of $250+ within 45 days.) and just the ease of having the app to access whenever I want and it having all of my transactions and you can organize them neatly from life to work.

Want to like it. Tried to get ahold of customer support several times throughout having Lili and it takes sooo long if they do even get back to you. And when they do, nothing is even resolved at least in my experience for simple things like depositing a check. Their answer is just “submit it again” it gets rejected again for no reason I message support back and get no response. It’s great if you never have any issues like it does link with everything easily but that’s about it and since the Long Game apps slow pulling back of features (which was my whole reason to get Lili) I’m finding less and less reasons to keep them. Guess I’ll keep waiting for my email while I look for another bank and see which one happens first.

Horrible. I’m not sure what happened. I’ve been a member since 2018. At first I recommended this app bank to several folks. Now I would never. For starters I receive daily deposits from online sells via stripe. Deposits use to come daily now no deposits come on fri, sat, sun and might come on Monday night. The customer service is horrible. You call you get hung up on or an agent who’s uneducated, tells you they don’t know and have to wait for a supervisor to contact you back. The online chat is a waste of time. And the $4.99 they charge a month really isn’t worth the maybe 200 overdraft fee. Because that’s all your getting. I’ve ordered 3 cards now and non of them work in person on online and apple pay. And guess who can’t get an agent to answer the phone to tell me what the issue is. Oh and good luck emailing because the same, “idk please call a number that won’t pick up” energy is what you will get. I would recommend North one is a real bank account not some online app posing as a business but didn’t know how to run a bank for business customers.

Horrible Bank. They closed my account for no reason at all. I deposited my tax refund check from the Franchise Tax Board and they wouldn’t accept it. They won’t let you deposit any checks they will always reject them and it’s soooo frustrating that they have a mobile check deposit feature but every-time I tried to use it they would reject the check I’m trying to deposit. Makes no sense at all. What’s the point of having a feature if it doesn’t work at all? Horrible bank. Go somewhere else if you have checks you need to deposit because this crappy bank will reject the deposit and then close your account. I’m filing a complaint with Federal Reserve’s Consumer Complaint, The Consumer Financial Protection Bureau and the FDIC. Anytime I’ve contacted all 3 of those agencies my voice is heard and their always on your side.