Lili offers free online-only banking for freelancers, gig workers, online sellers, and other small business owners.
Plus, when you sign up via this Lili $100 Referral Link or enter Referral Code “504rFe” when you create your account, you’ll get a $100 bonus after you spend at least $250 with your Lili Visa Debit Card within 45 days.
About Lili Banking
If you are an independent worker or small business owner, Lili offers free access to banking, expense management, and tax-saving tools.
It’s completely free to open a Lili account, and there are no monthly service charges, no minimum balances, and no hidden fees.
You just need a Social Security Number and a U.S. Address, and you can bank with Lili (EIN applications will be added later).
However, in order to get a Lili account, at least some of your income should come from alternative sources like freelance or gig work, a shop on Etsy or eBay, or another small business venture.
If you don’t have small business income, try this N26 $10 Bonus instead for an online consumer bank account.
Lili Banking Features
- Banking Designed for Independent Workers and Small Business Owners.
- Anyone with a Social Security Number and a U.S. Address Can Apply.
- Easy Account Set-Up Takes Only 3 Minutes.
- 100% Free to Open Lili Account – No Monthly Fees and No Minimums.
- No Withdrawal Fees from ATMs Nationwide (fees from ATM owner or other banks may still apply).
- Data-Driven Insights to Help You Manage Your Money.
- Lili Visa Debit Card Offers Cash Back Rewards (coming soon).
- Easily Categorize Your Business and Personal Expenses.
- Automatically Set Aside Funds for Tax Season.
- FDIC-Insured for $250,000 through their Partner, Choice Bank, Member FDIC.
Lili $100 Sign-Up Bonus
1. Sign up via this Lili $100 Referral Link or enter Referral Code “504rFe” during registration.
2. Click the “Get Started” button and follow the instructions to open your account.
3. Wait for your Lili Visa Debit Card to arrive within 7-10 business days.
4. Complete at least $250 in debit card purchase transactions within 45 days of account opening (not including P2P payment apps such as Venmo or Cash App).
5. Receive a $100 bonus in your Lili account within 5 business days after all qualifying transactions have posted.
Please note that you must be a new Lili customers (who has never applied or created a Lili account before) and meet the eligibility requirements for a Lili account.
Lili Refer-A-Freelancer $100 Bonuses
Once you open your Lili account, you can participate in their referral program to earn up to $1,000 in bonus rewards.
To refer your friends, just visit the “Invite & Earn” section under the Menu in the Lili App (iOS or Android).
For each referral who completes $250 in purchase transactions with their Lili Visa Debit Card within 45 days of account opening, you will both receive a $100 bonus.
You can track the number of referral bonuses that you’ve earned through the Lili mobile app, and a customer may earn no more than $1,000 in total referral bonuses.
If you are a freelance worker or small business owner, check out Lili for online-only banking services that can help you manage your earnings.