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Hi, I'm Kevin and I'm an attorney, writer, gig economy expert, side hustler, and the blogger behind Financial Panther. I paid off $87,000 worth of student loans in just 2.5 years by choosing not to live like a big shot lawyer. I started this blog to share all I know about personal finance, travel hacking, and making more money by side hustling. Click here to learn more about me.
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lili bank review

Lili Bank Review 2022 – A Free Business Bank Account For Freelancers And Gig Workers

Last Updated on April 2, 2022January 16, 2021 12 Comments
This post may contain affiliate links.Financial Panther has partnered with AwardWallet and CardRatings for our coverage of credit card products. Financial Panther, AwardWallet, and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Table of Contents
  • What Is Lili Bank?
  • Lili Bank’s Best Features
  • How I Use My Lili Bank Account
  • Final Thoughts On Lili Bank
  • Additional Notes
  • Comments

A while back, I stumbled onto a new fintech bank called Lili, a free business checking account specifically designed for freelancers and gig workers. I’m always keeping an eye out for new fintech apps and Lili was an intriguing one – it did everything I needed a bank to do and seemed perfect for me to use as a business checking account for my side hustle income. In this Lili Bank review, I’m going to go over everything you need to know about Lili and explain why Lili is my preferred business checking account for freelancers and gig workers.

At the outset, you might wonder why you even need another bank account. One of the most important things you can do if you’re a freelancer or gig worker is to open a separate business bank account. The money you earn from your freelancing or gig work should go directly into this account, rather than getting intermingled with your personal bank accounts.

Remember, you’re essentially running your own business when you’re doing this type of work, so it’s much better to keep your personal accounts and business accounts separate. At a minimum, it’ll make it much easier for you to keep track of your income and expenses, and pay your yearly and/or quarterly taxes. 

Lili has been the main checking account I’ve used for all my gig and freelance work for two years and I’ve been very happy with my experience. If you’re looking for a business checking account for your freelance or gig work, then Lili is a bank you should definitely check out. I’ll go into more detail in this post about what Lili is and what I think are its best features.

What Is Lili Bank? 

Lili advertises itself as a free, digital bank account built for freelancers. Beyond freelancers, Lili is also good for gig workers, independent contractors, side hustlers, and solopreneurs.

Lili is a digital bank, which means you do all of your banking via their mobile app. They have a partnership with Choice Financial Group, so your funds are stored with them and are FDIC insured for up to $250,000. That means you can rest easy knowing the money in your Lili account is safe and secure. 

The most important thing about Lili is that it’s a 100% free bank account with no monthly fees and no minimum balance requirement. Lili also has no overdraft fees, and interestingly enough, no foreign transaction fees either. ATM withdrawals are free if you use a partner ATM (there are over 38,000 partner ATMs in the US, so you shouldn’t have trouble finding an ATM if you need it).

Signing up for Lili is extremely easy. You complete the entire signup process via your phone and it takes 3 minutes or less to complete. Approval is typically instant and once approved, you’ll be able to fund your account via ACH transfer. You’ll also receive a debit card in the mail, along with additional information to help you get the most from the Lili app.

Beyond this, Lili has all of the basic things you would expect from a mobile-first bank. The app is intuitive and easy to use. You can also deposit checks via your phone, although you are limited to $2,500 per day and up to $6,000 per month. These limits shouldn’t be a problem for most people, but they are something to consider if you’re someone who has to deposit checks regularly. 

It is also possible to deposit cash into your Lili account by doing so at certain retail locations (Walmart, Walgreens, CVS, etc). However, you have to pay fees to deposit cash, so Lili is not a bank account you should use if you are someone who needs to do cash deposits.  

One thing that’s worth noting is that Lili is an app-only bank. There’s no website interface, so you can only access your account by using the app. I think that they should consider adding a website interface as well, as I know I often prefer going to the website when I’m on my computer.

Another thing to note is that Lili is a business bank account designed for sole proprietors, rather than businesses with employees or a partnership. If you’re looking for a bank for a business that’s more than just you, you’ll want to use a different bank.

Lili Bank’s Best Features

What drew me to Lili are the various features it offers that make it different from other banks. Here are some of the features that Lili has that I find useful.   

1. Automatic Tax Savings

Lili’s best feature (and the thing that differentiates it from most other banks) is its automatic tax savings feature. Too often, freelancers and gig workers forget that, as independent contractors, we’re responsible for paying taxes on our income. Remember, as independent contractors, we don’t have an employer to take out taxes for us. 

Lili’s tax savings feature saves a percentage of every deposit into a separate tax bucket. You’ll still have access to this money if you need it, but Lili will show your tax bucket as separate from your overall balance. Here’s a look at what my tax bucket looks like: 

Lili tax savings feature

You can either manually set the percentage that you save from each deposit or you can tell Lili what you expect to make and the app will give you a suggested percentage that you should save. I set my Lili account to save 1/3 of everything I earn, but the amount you need to save may differ depending on what you make. 

Lili auto savings feature

The tax savings feature is an extremely useful feature that, by itself, makes Lili a worthwhile bank to use for freelancers and gig workers. I only know of one other bank that has this same feature, so there aren’t many banks out there that can do this.

2. Get Paid Up To 2 Days Early

Many fintech banks now allow you to receive your direct deposits up to 2 days early. Lili is no different. I’ve found that when I receive payments, they post either the same day or by the next day at the latest. This isn’t that big a deal to me, but I do appreciate being able to get my payments earlier.

3. Income And Expense Tracking

Another great feature that Lili offers is its income and expense tracking tools. I found the income tracking data particularly useful. In the work section of the app, you’ll find a bar graph with a month-by-month breakdown of all of the income you’ve earned. The app also shows you all of the income you’ve earned for the current year, as well as your average monthly earnings for the year. This gives me a nice, quick look into what my income has been each month.

Lili Income And Expense Tracking

You can also download expense reports using the Lili app. These expense reports show you your income for the period selected, as well as all of your expenses broken down by category. Whenever you pay for something using your Lili account, you’ll be able to classify the expense into different categories, so this is how Lili keeps track of this information.

Lili expense categories

Expense tracking isn’t that useful of a tool for me personally because it only really works if you pay your business expenses directly out of your bank account. I use a dedicated business credit card for all of my business expenses, so Lili can’t track each expense associated with my side hustles. I generally recommend using a business credit card to pay for your business expenses, mainly because credit cards come with more protections and allow you to earn points and miles.

That said, if you’re someone who doesn’t use credit cards or would prefer to pay for expenses using the Lili debit card, then the expense tracking features that Lili offers will be useful to you.

4. Emergency Bucket Savings

Lili recently added the emergency bucket, which allows you to automatically set aside money for a rainy day. The app allows you to set how much you want to save per day, starting as low as $1. 

Lili emergency bucket

Like the tax bucket, money in your emergency bucket is kept separate from the overall balance in your Lili account. When you need the money from your emergency bucket, you can simply withdraw it back to your available balance. 

I don’t think the emergency bucket is that useful since money in your buckets doesn’t earn interest. I save my emergency fund using my 5% interest bank account strategy or I use high-yield savings accounts like Ally Bank. With Ally, I can automate regular savings, so there’s not much of a need for me to use Lili’s emergency bucket feature.

Of course, if you prefer keeping everything in one account, then it can make sense to save your emergency bucket in Lili. 

How I Use My Lili Bank Account

I link Lili with every gig economy app that I use. All of my earnings from these apps go directly into my Lili account. Each time I get paid, Lili automatically saves 33% of my earnings and sets it aside in my tax bucket. This is much better than my previous system, where I had to remember to set aside money on my own.

Every month or two, I like to take everything out of my tax bucket and send it over to an Ally savings account that I’ve specifically earmarked for taxes. I opt to do this because the money in my Lili tax bucket doesn’t earn any interest, so I’d rather put it in a place where it can earn at least a little bit of interest. 

In addition to gig work, I also use Lili as my bank account when I pay myself for the work I do on this blog. All of my blog revenue goes into a business checking account that I have for this blog. Each month, I look at what I have left after paying expenses, then I pay myself a “paycheck” based on what’s remaining. This paycheck that I pay myself goes to my Lili account, which then saves 33% of it for taxes. 

I only use Lili for business purposes, so whenever I do need money, I send it over to my personal checking account, Typically, at the beginning of each month, I transfer over a set amount from Lili to my personal checking account. This is the money that I use to pay bills and other day-to-day expenses. 

My system might sound more complicated than it is, but it’s pretty simple when you’re doing it. Basically, money flows from my Lili account to my personal account, which I then use to pay my day-to-day living expenses.

Final Thoughts On Lili Bank

So far, I’ve been very happy with my experience using Lili. It’s a free bank account with no minimum balance requirement, so that already makes Lili a good bank in my book. 

What makes Lili a real winner, however, is the automatic tax savings feature. Remembering to set aside money for taxes has always been a pain point of mine, as I’m sure it is for others. Being able to automatically save for taxes makes things so much easier for me and helps keep me much more organized.

At the moment, I only know of two other banking apps that help freelancers and gig workers automatically save for taxes. The first is Indi, which is a bank account with features similar to Indi. I tried out Indi and thought it was a fine bank account, but I ultimately decided that I preferred Lili because it has slightly better features and a better app interface. It also seems like Lili is doing a lot more to improve their app and add new features while Indi seems to be a bit stagnant.

The second is Catch, which is an app that links to your bank account and monitors incoming deposits. Each time you get a new deposit, Catch will let you know and ask you if you want to save some of it into a separate tax account with Catch. This is particularly useful if you don’t want to switch banks. Before I switched over to Lili, I used Catch in combination with another bank account called Chime. This worked out fine for me, but I’ve found it simpler to have everything with one bank instead of having to deal with two apps. Plus, the income tracking tools that Lili has are very useful, which my last bank account did not have. 

There aren’t a lot of business bank accounts out there that are so easy to open and that have the feature set that Lili offers. That’s why I think Lili is an excellent banking option for any freelancer, gig worker, side hustler, or solopreneur.  

Additional Notes

One commenter pointed out that Lili limits the withdrawals you can make in a month. This is true. At the moment, it appears you’re only able to withdraw $500 per transaction and $1,000 per month via the Lili app.

The way around this issue is to do your withdrawal via your primary checking account. For example, if you need to withdraw a large amount of money out of your Lili account, you would initiate the transfer via your primary checking account. I “pay” myself a monthly paycheck each month out of my Lili app. At the beginning of each month, I withdraw what I need via my Ally personal checking account. So, I go into my Ally account, initiate an ACH withdrawal, and pull as much money as I need without issue.

On another note, I think Lili is an account geared more towards freelancers, solopreneurs, and gig workers, rather than traditional businesses. If you’re looking for a business checking account geared more towards a traditional business, I’d recommend checking out Novo.

I hope you found this Lili Bank review helpful. If you have any questions, please feel free to leave them in the comments below. 

More Recommended Ebike/Scooters

Check out these other ebikes/scooters I've had the chance to do a review for:

  • GEN3 Outcross Bike – The GEN3 Outcross is a solid, affordable fat tire ebike that does a good job of doing what I need it to do. It works great for city riding, giving me a smooth ride in all conditions. It’s works really well as a winter ebike since the fat tires give it good traction over snow and ice. Check out my GEN3 Outcross Review.
  • Himiway Escape Bike – The Himiway Escape is an interesting bike for anyone looking for a moped-style ebike. If you’re a gig economy worker, the Himiway Escape is particularly interesting and it’s possible to think of it as an investment, especially if you can opt to do deliveries with the Himiway versus using a car. It’s not cheap, but you can definitely make your money back when you compare the mileage you’ll put on your car versus using an ebike. Check out my Himiway Escape Bike Review.
  • Espin Sport Bike – The Espin Sport is a good ebike for someone who is looking for an ebike that feels and rides more like a regular bike. There are many ebikes that are really only bikes in name. In reality, they’re basically electric mopeds. The Espin Sport, by contrast, is a bike you could probably ride without the battery and you’d feel like you’re just riding a regular bike. Check out my Espin Sport Review.
  • Varla Eagle One Scooter – The Varla Eagle One is an excellent scooter that can make sense for a lot of people. It can work as a primary mode of transportation. You can use it to work on gig economy apps like DoorDash, Uber Eats, and Grubhub. And it can also be a recreational vehicle if you’d prefer to use it for that. Check out my Varla Eagle One Review.
  • Fucare H3 Scooter – The Fucare H3 is a fun scooter and I’ve enjoyed testing it out. For a daily commuter or quick trips or errands, the Fucare H3 is probably the scooter I’ll use. It’s portable and easy to maneuver, so it’s just easier to take on the road when I need it. Check out my Fucare H3 Scooter Review.

More Recommended Investing App Bonuses

For additional investing app bonuses, be sure to check out the ones below:

  • M1 Finance ($10) – This is a great robo-advisor that has no fees and allows you to create a customized portfolio based on your risk tolerance. You also get $10 for opening an account. Check out my M1 Finance Referral Bonus – Step-By-Step Guide.
  • SoFi Invest ($25) – SoFi Invest is an easy brokerage account bonus that you can earn with just a few minutes of work. Use my SoFi Invest referral link, fund your SoFi Invest brokerage account with $100 and you’ll get $25 of free stock. I also have a step-by-step guide for the SoFi Invest referral bonus.
  • Moomoo (5 free stocks) – Moomoo is a free investing app currently offering 5 free stocks (usually worth around $75-$100) if you open an account using a referral link and deposit $2,000. Read my Moomoo referral bonus guide for more information.
  • Webull (5 free stocks) – Webull also gives you 5 free stock valued between $3-$3,000 each if you open an account using my referral link. Here’s a guide I wrote about how to earn your free stocks using Webull.
  • Robinhood (1 free stock) – Robinhood gives you a free stock valued between $2.50-$225 if you open an account using my referral link.
  • Public (1 free stock) - Public gives you a free stock valued between $3-$70 if you open an account using my referral link.

More Recommended Bank Account Bonuses

If you’re looking for more easy bank bonuses, check out the below options. These bonuses are all easy to earn and have no fees or minimum balance requirements to worry about.

  • Chime ($100) - Chime is a free bank account that offers a referral bonus if you use a referral link and complete a direct deposit of $200 or more. In practice, any ACH transfer into this account triggers the bonus. This bonus is easy to earn and posts instantly, so you’ll know if you met the requirements as soon as you move money into the account. I wrote a step-by-step guide on how to earn your Chime referral bonus that I recommend you check out.
  • Upgrade ($100) – Upgrade is a free checking account that’s currently offering a $100 referral bonus if you open an account and complete three debit card transactions. These bonus terms are easy to meet, so it’s well worth doing this bonus as soon as you can. Importantly, this bonus says that it’s scheduled to end on July 14, 2022. That means you have two weeks to open your account to be eligible for the bonus. As long as you get your account opened before July 14th, you should be eligible. Here’s a post I wrote with more details: Upgrade $100 Referral Bonus – Step By Step Directions.
  • SoFi Money ($350) – SoFi Money is a free checking account from SoFi. They’re currently offering a $25 referral bonus if you open a SoFi account with a referral link and deposit $10. You can also make an additional $300 as well if you complete a direct deposit. This is a good bank that is also 100% free, so you won’t have to worry about managing this account. Here’s a post I wrote with instructions on how to earn your SoFi Money bonus: SoFi Money Referral Bonus: Step By Step Guide.
  • Current ($50) – Current is a free fintech bank that’s offering new users a $50 referral bonus after signing up for an account using a referral link.Current is an easy bonus to earn and also gives you access to three savings accounts that pay you 4% interest on up to $2,000. That means you can put away up to $6,000 earning 4% interest. That’s very good and makes Current an account I recommend to everyone. Check out my step-by-step guide on how to earn your Current Bank bonus.
  • Spiral ($50) – Spiral is a fintech bank that's currently offering new customers a $50 signup bonus after opening a free checking account with them. The Spiral referral bonus is especially good because it's a free checking account and doesn't require a direct deposit to earn the bonus. Here is my step-by-step guide on how to earn your Spiral Bank bonus.
  • Nearside ($90) - Nearside is a free business checking account that’s currently offering a $40 signup bonus and a $50 referral bonus if you open a Nearside business checking account using a referral link. Filling out the application should only take you a few minutes. And the bonus terms are easy to meet. Check out my Nearside signup and referral bonus guide here.
  • OnJuno ($100) – OnJuno is a fintech/neobank that is currently offering a $100 referral bonus if you open an account using a referral link and complete a direct deposit of $250 or more. The account has no fees or minimum balance requirements. Even better, the bonus posts immediately after you meet the requirements. If you can meet the direct deposit requirements, OnJuno is an easy bank bonus that’s worth snagging. Check out my OnJuno referral bonus guide here.
  • Fairwinds Credit Union ($100) – Fairwinds Credit Union is offering a referral bonus for users that sign up using a referral link. Fairwinds has no fees or minimum balance, so this is a particularly easy bonus to earn. Since this is a smaller credit union, my gut instinct tells me this offer won’t be around long, so if you’re in a position to meet the bonus requirements, grab this bonus before it’s gone. Here is my step-by-step guide on how to earn your Fairwinds Credit Union bonus.
  • Fifth Third Bank ($350) – Fifth Third Bank is currently offering new customers a $350 signup bonus after opening a new account and meeting certain requirements. This offer is limited to customers in the following states: Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, Ohio, Tennessee, West Virginia, and South Carolina. If you live or visit one of these states, make sure to take advantage of this high bonus. Check out my post on Fifth Third Bank to learn more.
  • Varo ($50) – Varo is a free fintech banking app similar to Chime or Current. It’s currently offering a $50 bonus to new users that open a new Varo account with a referral link. The bonus for this bank is very easy to meet, all you need to do is spend $20 within 30 days of opening your Varo account. Check out my step-by-step guide to learn how to earn this bonus.
  • Novo Bank ($40) - Novo bank is a free business checking account that’s currently offering a $40 bonus if you open a Novo business checking account using a referral link. In addition to being a good bank bonus, Novo is also a good business checking account. It has no monthly fees or minimum balance requirements and operates a good app and website. Indeed, it’s the business checking account I currently use for this blog. Check out my post on how to easily open a Novo account.
  • One Finance ($50) – One Finance is a fintech bank that’s currently offering a $50 signup bonus if you open an account using a One Finance referral link and have a direct deposit of $250 or more. This is a completely free bank account with no minimum balance requirement, so if you can meet the requirements, it’s worth doing. Check out my One Finance referral bonus guide here.
  • Albert ($150) – If you can manage to do a real direct deposit, Albert is an easy account you can use to earn a referral bonus. Here’s a review about Albert I wrote. And here’s a step-by-step guide on how to earn your Albert referral bonus.
  • Netspend ($20 + 5% Interest Savings Account) – Netspend is a company that provides 5% interest savings accounts. If you sign up using my referral link, you’ll get a $20 signup bonus once you make your first deposit into your Netspend account of $40 or more. That means you get a 5% interest savings account and a free $20 to start! Make sure to check out my in-depth guide on how to set up these accounts.
financial panther

Kevin is an attorney and the blogger behind Financial Panther, a blog about personal finance, travel hacking, and side hustling using the gig economy. He paid off $87,000 worth of student loans in just 2.5 years by choosing not to live like a big shot lawyer.

Kevin is passionate about earning money using the gig economy and you can see all the ways he makes extra income every month in his side hustle reports.

Kevin is also big on using the latest fintech apps to improve his finances. Some of Kevin's favorite fintech apps include:

  • SoFi Money. A really good checking account with absolutely no fees. You'll get a $25 referral bonus if you open a SoFi Money account with a referral link, and an additional $300 if you complete a direct deposit.
  • Upgrade Bank. Upgrade is a free checking account that’s currently offering a $100 referral bonus if you open an account and complete three debit card transactions. These bonus terms are easy to meet, so it’s well worth doing this bonus as soon as you can. Note that it’s scheduled to end on July 14, 2022.
  • Novo Bank. Novo bank is a free business checking account that’s currently offering a $40 bonus if you open a Novo business checking account using a referral link. It’s the business checking account I currently use for this blog.
  • M1 Finance. This is a great robo-advisor that has no fees and allows you to create a customized portfolio based on your risk tolerance. You also get $10 for opening an account.
  • Personal Capital. One of best free apps you can use to monitor your portfolio and track your net worth. This is one of the apps I use to track my financial accounts.

Feel free to send Kevin a message here.

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Filed Under: Bank Bonuses, fintech, Money Hacks, Money System

Reader Interactions

Comments

  1. Lola says

    January 16, 2021 at 5:06 pm

    Hey Kevin! Thanks for this great information, today and all the time. Just wanted to let you know that I tried using the Lili account referral link posted and received a message saying I’d need a new code. Can you help with this? Thanks again!

    Reply
    • Financial Panther says

      January 16, 2021 at 5:10 pm

      Ah, thanks for catching it. I haven’t updated my referral link in a while. I updated it now so it should work.

      It looks like my code is 504hrJ in case there are issues.

      Reply
  2. Daniel W Smith says

    January 23, 2021 at 8:36 pm

    The daily usage limits as well as the total lack of check writing capabilities make Lili unusable for anyone who may want to make a single large purchase or simply remove your money from the account(a used car? An emergency dental or medical procedure or even paying a friend or associate money that is owed to them by your company….if it is more than $3000 then it isn’t happening with Lili)and that’s only the DAILY usage limits….wait till you see the monthly transaction limits! $15000 total limit within a month…if your business has any major expenses or material costs then Lili would prevent you from the ability to finish a job or pay employees just because you’ve spent over $15000 in a month. Many businesses I know spend more than that in a single trip to Home Depot on a low profit one-day job. Long story short, Lili wants to keep your money in the account. And once your money is in the account, they WILL KEEP IT because you simply cannot withdrawal the money if it’s more than a few dollars….can’t even spend it. Scary. Maybe the author should pay closer attention to the fine print before recommending such a dangerous bank

    Reply
    • Financial Panther says

      January 23, 2021 at 8:42 pm

      Hey Daniel,

      You withdraw from your primary bank. My personal checking account is with Ally. I do my withdrawal via Ally. Can withdraw up to $250k per Ally’s ACH transfer limits. So if I want to pull a lot of money out of my Lili account, I initiate the transfer via Ally, not via Lili.

      Lili is an account for freelancers and gig workers. It’s not an account for a traditional business spending thousands of dollars on a major expense or material costs. If you’re a contractor or something like that, you would use a bank like Novo.

      But also, why are you paying for your business expenses using your Lili debit card? Use a business credit card. I don’t mean to be combative, but silly not to use a business credit card for your business expenses.

      Good point though about the withdrawal limit via the Lili side and I’ll add that to the post because it’s an issue I encountered as well once (although I think I put that in the post, didn’t I? – maybe I forgot to).

      Reply
  3. Ronald Mesler says

    April 7, 2021 at 1:28 pm

    Tried Lili after reading your blog . I will say my experience was less than stellar. The debit card was lost in the mail and I have yet to be able to have them cancel it. Really poor customer service. They told me to call customer service–instead I replied with my phone number and asked them to call me. Crickets. In my view your readers should keep looking for the right gig worker account.

    Reply
    • Financial Panther says

      April 7, 2021 at 6:17 pm

      Hey Ronald, sorry to hear about your bad experience. Just to note, if you go into the app and go to your Lili card settings, you can actually mark the card as lost and they’ll automatically send you out a new one. Might be worth trying that.

      The other option of course is to blast them on Twitter. That usually gets customer service responding quickly.

      Any other thoughts on gig worker business bank accounts you recommend? I’ve used Indi and they’re pretty good – owned by PNC bank if you prefer a big bank, pretty solid app. I just found Lili to be better for me.

      Reply
      • Brian lewis says

        April 30, 2021 at 8:39 pm

        This company is not even based out of the USA. It’s from ISRAEL

        Worst customer service I have ever seen in my entire life.

        Reply
        • Financial Panther says

          April 30, 2021 at 9:39 pm

          Hey, bud. If you had a bad personal experience with the app, that’s fine and you are welcome to share your experience.

          But as an FYI, Lili is headquartered in New York. Its co-founders appear to be from Israel. Your comment appears to be based on xenophobia, racism, and possible anti-semitism and I will not tolerate that here. You can take that somewhere else – not on my blog. I’m leaving your comment up for now if you’d like to elaborate on your experience with the app, but if you bring any more racist comments here, I will not approve them and will delete your current comment.

          Reply
  4. Crystal says

    May 11, 2021 at 6:08 pm

    This “bank” is terrible. You can’t speak to anyone ever , they may or may not respond to an email or a message within a week with a generic message. So glad it’s only $100 I’ll never see again. Even though I can really use my $100. But at this point it’s a loss. Look at their Twitter page. It’s terrible. They stopped responding on there also.

    Reply
    • Financial Panther says

      May 11, 2021 at 6:18 pm

      Sorry to hear about your bad experience. I haven’t had any problems and think it works great.

      What do you mean you have $100 that you’ll never see again? Are you saying that Lili is stealing money from you, because if so, you should definitely be taking legal action and reporting to regulatory agencies, rather than complaining about this bank on a random blog that you found on Google.

      Reply
  5. adam@realworldpersonalfinance says

    May 15, 2021 at 7:58 am

    Does the $250 spend need to be a POS purchase or do omni purchase/digital purchases count?

    Reply
    • Financial Panther says

      May 16, 2021 at 10:31 pm

      Can be online too. Doesn’t matter. Just pay some utility bills with it and you should easily hit the $250 spend.

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