Lili
Fintech · FDIC via partner bankBuilt for freelancers and small businesses. Foreign passport + EIN, no SSN.
Official siteOne of the few whitelist banks that explicitly supports China (it's on the 14-country list). Features are basic, it pushes paid tiers, and the application form is long and clunky to fill out. Fine for individuals or small teams who just need a simple US account on a budget.
Eligibility at a glance
- Banking provided by
- Sunrise Banks, N.A.
- Requires SSN
- No
- Overseas operating address
- No
- Intl wire (out)
- —
- Virtual cards
- TBD
- Account manager
- None
Best for
- Freelancers, solo founders, and small businesses
- Non-US founders with a US LLC who want a simple, free account
- Anyone who wants built-in invoicing, accounting and tax tools
Where it falls short
- Only serves Lili-supported countries — verify yours first
- No real API and weaker integrations
- Wire fees are not clearly published
- Not built for scaled or high-volume operations
Only these countries qualify
Restricted industries
Documents to prepare
- A US-registered company (LLC / C-Corp / S-Corp / partnership — no sole proprietorships for international applicants)
- Formation documents (articles of organization / incorporation / partnership agreement, by entity type; multi-member LLCs also need the operating agreement; must clearly show the company name)
- An EIN letter (IRS employer ID number)
- The owner's passport (number + expiry; no SSN required)
- Business / operating address: US or overseas (the company may physically operate outside the US)
- Proof of address (utility bill / lease / deed — especially when operating abroad)
- A US mailing address: the physical Visa debit card ships to US addresses only
What the complaints are actually aboutUser reviews
The percentages below are shares of this bank's own negative reviews — not a rating, and not a probability of it happening to you. We pull only 1-2 star reviews, so the sample is larger than it looks; the composition of the complaints is what's comparable across banks.
- Fraud & dispute handling33%
- Closed / frozen / restricted32%
- Funds stuck26%
- No reason given17%
- Fee disputes12%
Last 12 months: 2.9 negative reviews/month (35 total) | lifetime 279 of 4,311 reviews = 6%
Themes computed over 200 negative reviews, 2022-10-13 → 2026-08-03 (1390 days) | captured 2026-08-04
Lili has the lowest lifetime negative rate here at 6%, and a rate of just 2.9 a month. Fraud disputes and closures sit nearly level at the top (33% / 32%). The trend is the interesting part: closures account for only 14% of the last 12 months' negatives versus 32% across the full sample — that complaint type is receding. Lili's base is US-resident freelancers and sole proprietors, so its signal transfers poorly to non-US founders — see the cross-bank comparison for the ones that do fit.
Method: public Trustpilot reviews, aggregate counts only — no review text is reproduced. Lifetime negative counts come from Trustpilot's own star distribution, not from a sample. Themes are keyword-matched, so one review can match several and the percentages don't sum to 100%.