What happens to your Lili accounts when you die

Lili Core Business Checking

Free business checking, no monthly fee and no minimum opening deposit. Lili Visa debit card, unlimited money movements, early direct deposit, mobile check deposit, basic expense tools. Up to $3 million in FDIC insurance via the deposit sweep program (balances above $246,500 are swept nightly into Sweep Accounts at other FDIC-insured banks). Estate handling: no POD or beneficiary designation is available, the account cannot be titled to a trust, and section 7.4 of the Sunrise Banks Account Agreement also rules out Conservatorships and Power of Attorney authorizations. The balance passes through probate (sole proprietor) or under the entity's governing documents.

Lili Pro Business Checking

$15/month ($9/month introductory rate for the first 3 months). Core features plus tax-category expense sorting, receipt attachment, quarterly and annual expense reports, and automatic tax fund allocation. Same estate limits as every Lili account: no POD or beneficiary designation, no trust titling, no POA authorization, no conservatorship. Note that the monthly plan fee keeps accruing against the balance after death until the account is closed.

Lili Smart Business Checking

$35/month ($21/month introductory rate for the first 3 months). Pro features plus accounting software with AI transaction categorization, profit and loss statements, cash flow reporting, unlimited invoicing with payment acceptance, bill management, and external account sync. For an executor, the accounting and invoicing records in this tier are the practical inventory of the decedent's receivables. Same estate limits: no POD, no trust, no POA, no conservatorship.

Lili Premium Business Checking

$55/month ($33/month introductory rate for the first 3 months). Smart features plus a dedicated account specialist with priority handling and a metal Visa Business Pro debit card. The dedicated specialist is the closest thing Lili has to an estate contact: Premium cases get priority handling and stay open until resolved. Same estate limits: no POD, no trust, no POA, no conservatorship.

Lili Business Savings

Business savings earning up to 4.00% APY (variable; tiered, with the top tier on balances above $500,000). Available on all plans, including free Core. Covered by the same $3 million sweep-network FDIC insurance. No POD or beneficiary designation, no trust titling, no POA authorization. Balances here are what most often push a Lili customer over the $246,500 sweep threshold, which means an executor will find the money spread across several Sweep Banks rather than sitting at Sunrise.