Lili vs Small Business Checking: which one fits your business?
Side-by-side comparison of Lili and Small Business Checking — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Lili wins on our scorecard (7.5/10 vs 6.3/10).
| Scored on | Lili | Small Business Checking |
|---|---|---|
| Right fit for small biz | 7 | 7 |
| Ease of use | 9 | 6 |
| Fees & pricing | 7 | 6 |
| Customer support | 6 | 5 |
| Features | 8 | 7 |
| Lili Basic Monthly Fee | $0 | — |
| Lili Smart Monthly Fee | $15 | — |
| Cash Deposit Fee (Green Dot) | Up to $4.95 | — |
| ATM Fee (Out of Network) | $2.50 | — |
| Domestic Wire Fee | Varies by tier | — |
| Monthly Maintenance Fee | — | $12 (waivable) |
| Minimum Balance to Waive | — | $500 |
| Free Transactions | — | 150 per month |
| Cash Deposit Limit | — | $5,000 free per month |
| Domestic Outgoing Wire | — | $30 |
Lili in one paragraph
Lili is an excellent 'business-in-a-box' for solopreneurs who want to automate their taxes, provided they are willing to pay for the premium tiers.
Skip it if: You have a large team or frequently deposit more than $5,000 in physical cash per month.
Small Business Checking in one paragraph
A reliable, 'old-school' choice for cash-heavy local businesses that can stay under the 150-transaction limit.
Skip it if: You run a high-volume e-commerce store with more than 150 monthly transactions.
Frequently asked questions
Which is better, Lili or Small Business Checking?
On our five-axis scorecard, Lili scores higher (7.5/10 vs 6.3/10). Lili is an excellent 'business-in-a-box' for solopreneurs who want to automate their taxes, provided they are willing to pay for the premium tiers.
Who should skip Lili?
You have a large team or frequently deposit more than $5,000 in physical cash per month.
Who should skip Small Business Checking?
You run a high-volume e-commerce store with more than 150 monthly transactions.