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Lili vs Chime

Lili is a mixed-use bank account for single business owners to help manage expenses and taxes. How does it compare to Chime? Read our comparison chart below.

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Free Checking Account for Sole Proprietors and Single-Member LLC - Learn More

Read Lili Review

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Read Chime Review


Benefits and Features

SavingsNo savings account, but you can set automatically aside money in a Tax Bucket and Emergency Bucket1.50% Annual Percentage Yield (APY). The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of August 15, 2022. No minimum balance required. Must have $0.01 in savings to earn interest.
CheckingNo monthly fees; no balance requirements; no overdraft fees; no foreign transaction feesNo monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees
Customer Service
Monday – Friday 9am – 7pm EST
Minimum Deposit to Open
Mobile App 
iOS & Android
ACH Transfer Fee
38,000+ MoneyPass ATMs
Over 60,000 fee-free MoneyPass, Allpoint, and Visa Plus Alliance ATMs
Balance Requirement
Cash Deposit Fee
Incoming Wire Transfer Fee
Online only
Online only
Out of Network ATM Fee
$2.50 ($5 for international)
Outgoing Wire Transfer Fee
Overdraft Fee
Monthly Fee

CreditDonkey® Reviews

SavingsStarStarStarEmpty StarEmpty StarStarStarStarStarStar
Minimum DepositStarStarStarStarStar
Customer ServiceStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarStar
Pros & ConsPros:
  • No monthly fees
  • Expense tracking
  • Save for taxes
  • Best features only for Lili Pro
  • No checks
  • Fee to deposit cash
  • No account fees
  • Get paycheck 2 days early
  • Up to $200 overdraft coverage
  • Hard to deposit cash
Bottom LineMixed-use bank account for single business owners to help manage expenses and taxes... Read full review Read full review
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Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Chime: Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.


Free Checking Account for Sole Proprietors and Single-Member LLC

  • $0 monthly service fees
  • $0 minimum opening deposit
  • No minimum balance requirement
  • No foreign exchange fee
  • Get direct deposits up to 2 days earlier
Banking services provided by Choice Financial Group, Member FDIC

Lili Pro Business Checking

  • $4.99 monthly service fee
  • Emergency savings account with 1% APY
  • Create and send unlimited invoices
  • Up to $200 fee-free overdraft
  • Cashback with selected merchants
Banking services provided by Choice Financial Group, Member FDIC

Which is Better: Lili or Chime?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Lili or Chase.

In short: Lili's customer service is worth mentioning. Chime's savings is excellent.

Articles on Lili

Lili Review

Lili offers a business checking account and debit card for freelancers and independent contractors. Review the features to find out if Lili is worth it.

Articles on Chime


Chime has no monthly fees, so what's the catch with the app? Find out how you can get paid two days early and grow your savings.

Chime Alternatives

Chime offers a convenient and rewarding mobile app. But can you earn better rewards and get more account options with one of Chime's top competitors?

Which Do You Think is Best?

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About CreditDonkey
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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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