Best Business Bank Accounts · head-to-head
Lili vs Bluevine
A sourced, side-by-side comparison for business bank accounts. Lili has the lower entry price. Every figure links to the vendor's own page and the date we captured it.
At a glance
- Price: Lili $0/mo vs Bluevine $0/mo — Lili is cheaper to start.
- Free tier: Lili Yes; Bluevine Yes.
- HIPAA: Lili —; Bluevine —.
Side by side
| Lili | Bluevine | |
|---|---|---|
| Entry price | $0/mo (Lili Core) | $0/mo (Standard) |
| Free tier | Yes | Yes |
| HIPAA (BAA) | — | — |
| SOC 2 | — | — |
| GDPR | — | — |
| Best for | Freelancers and solopreneurs | Small businesses seeking high-yield checking |
Sources — Lili: lili.co (verified 2026-06-14). Bluevine: bluevine.com (verified 2026-06-14).
Key features
Lili: Business checking with Visa debit card (all plans); High-yield savings up to 4.00% APY (all plans); FDIC insurance up to $3M through partner bank sweep network; ACH, check, and wire payment support; Business credit access; Expense categorization and tax management tools (Pro+); Accounting software with automated bookkeeping (Smart+); Invoicing and bill management (Smart+); Receipt capture (Smart+); Dedicated priority support with specialist (Premium); BusinessBuild credit-building program with D&B reporting (add-on); Privacy policy appoints VeraSafe as EU/UK GDPR representative
Bluevine: High-yield APY on checking balances (1.3%–3.0% depending on plan); Up to $3M FDIC insurance through partner banks; Physical and virtual debit cards with 4% cash back on business purchases; Multiple sub-accounts with automatic transfer rules; ACH debit fraud controls (advanced controls on Premier); Same-day ACH transfers; Domestic and international wire transfers; Invoicing and payment links with Tap to Pay; Team access with dedicated logins per member; Real-time text alerts for suspicious activity; Two-factor authentication and instant card lock/unlock