Lili vs Bluevine Business Banking
Choose Lili if you want business checking paired with tiered savings and built-in bookkeeping; choose Bluevine Business Banking if you want interest on checking, more sub-accounts, and invoicing on a free plan. Both currently offer online business checking, paid upgrades, payment tools, and up to $3 million in FDIC coverage through partner banks. The deciding details are where interest is earned, which financial tools your plan includes, and what the paid plans cost.
Last updated October 27, 2026.
At a glance
| Dimension | Lili | Bluevine Business Banking |
|---|---|---|
| Where interest is earned | Lili Savings Account | Business Checking balances |
| Published APY | 2.25% to $500K in savings; 4.00% on the portion from $500K to $1M | 1.3% Standard; 1.75% Plus; 3.0% Premier on eligible checking balances |
| Interest balance limits | No yield on savings portions over $1M | $250K interest cap on Standard and Plus; no cap on Premier |
| Plans and monthly fees | Core $0; Pro $15; Smart $35; Premium $55 | Standard $0; Plus $30 or $0 if waived; Premier $95 or $0 if waived |
| Invoicing | Unlimited invoices on Smart and Premium | Unlimited invoices on Standard, Plus, and Premier |
| Money organization | Savings and tax savings tools | Up to 5, 10, or 50 sub-accounts by plan |
| Accounting tools | Built-in bookkeeping and reporting on Smart and Premium | Accounting sync with QuickBooks Online, Xero, Wave, and FreshBooks |
| Integrations | QuickBooks, Xero, Gusto, Stripe, Square, and Shopify | QuickBooks Online, Xero, Wave, and FreshBooks |
| Payments | Standard and Express ACH; domestic and eligible international wires | Standard and same-day ACH; domestic and international wires |
| Cash deposits | Participating retailers; retailer fees may apply | Green Dot retailers and Allpoint+ ATMs; deposit fees apply |
| Support | Seven-day human support; 24/7 AI assistance | Phone, email, and chat; Premier priority support |
| Platforms and deposit coverage | Web, iOS, and Android; FDIC coverage up to $3M through partner banks | Web, iOS, and Android; FDIC coverage up to $3M through partner banks |
Scroll the table sideways to compare each row.
Which should you choose?
Choose Lili if
- Businesses seeking a separate, interest-earning savings account
- Owners who want built-in bookkeeping and tax tools on a paid plan
- Businesses that want seven-day human support
Choose Bluevine Business Banking if
- Businesses seeking interest on eligible checking balances
- Owners who need invoices on a free checking plan
- Teams that need multiple sub-accounts with dedicated account numbers
- Businesses that can meet the requirements to waive an upgraded plan fee
The verdict
Lili is the better fit for businesses that want to set money aside in a savings account and use bookkeeping and tax tools within their banking platform; its invoicing and accounting software require Smart or Premium. Bluevine Business Banking is the better fit for businesses that want eligible checking balances to earn interest, multiple sub-accounts, and unlimited invoices on the free Standard plan. Compare the balance tiers and eligibility rules before choosing on advertised APY alone.
Lili vs Bluevine Business Banking: common questions
- Is this comparison worth publishing?
- Yes. Lili and Bluevine Business Banking both currently offer applications for online business checking accounts and publish enough plan, pricing, and feature information for a meaningful comparison.
- Which has a free business checking plan?
- Both do. Lili Core and Bluevine Standard each have a $0 monthly plan. Paid plans and certain transactions can carry fees.
- Which pays more interest?
- It depends on where you keep the money and how much you hold. Lili publishes 2.25% APY on the first $500,000 in savings and 4.00% on the portion from $500,000.01 to $1 million. Bluevine publishes checking APYs of 1.3% on eligible Standard balances, 1.75% on Plus balances, and 3.0% on Premier balances; Standard and Plus cap interest-earning balances at $250,000. APYs are variable.
- Can I invoice customers on the free plan?
- Bluevine Standard includes unlimited invoices and payment links. Lili lists its invoicing and accounting software on the paid Smart and Premium plans.
- Which is better for separating payroll, taxes, and operating money?
- Bluevine publishes limits of five sub-accounts on Standard, 10 on Plus, and 50 on Premier. Lili offers a savings account and tax savings tools; businesses needing numerous checking sub-accounts should compare their requirements with Bluevine’s published limits.
- Do either of these accounts accept cash deposits?
- Yes. Lili supports cash deposits at participating retailers, where retailer fees may apply. Bluevine supports Green Dot retail deposits for $4.95 per deposit and Allpoint+ ATM deposits for $1 plus 0.5% of the deposit.
- Can I use either service with my accounting software?
- Lili lists connections with QuickBooks and Xero alongside other business integrations, and its Smart and Premium plans include built-in bookkeeping. Bluevine lists accounting sync with QuickBooks Online, Xero, Wave, and FreshBooks.
- Are Lili and Bluevine Business Banking banks?
- Neither company is a bank. Lili says banking services are provided by Sunrise Banks, N.A.; Bluevine says its banking services are provided by Coastal Community Bank. Both advertise up to $3 million in FDIC deposit coverage through their respective partner-bank arrangements, subject to program terms.