Head to head
North One vs. Lili
One’s built for speed, the other for solo self-starters.
Lili is designed with freelancers and solo entrepreneurs in mind—offering built-in tax tools, expense tracking, and a straightforward mobile experience. North One is made for small teams in motion—businesses that need to send payments from job sites, manage budgets on the go, and keep operations moving.
If you’re running a one-person business and want banking that handles taxes and tracking in one place, Lili could be a perfect match. But if you’ve got a crew to pay and cash flow to juggle, North One may give you more flexibility in the field.
Which business bank is right for you?
North One and Lili both offer modern, flexible banking solutions designed to cut the friction of traditional banks—but they serve different kinds of business owners.
Lili is built for solo operators—freelancers, creatives, and gig workers who want simple, all-in-one banking. With features like automatic tax savings, real-time expense tracking, and a clean mobile app, Lili helps you stay financially organized without needing a separate spreadsheet or bookkeeper. If you file a Schedule C, invoice clients directly, and want banking that fits into your workflow, Lili is designed with you in mind.
North One, on the other hand, is tailored to business owners who are more hands-on and team-oriented—especially in fields like construction, contracting, or logistics. If you’re managing multiple job sites, paying subcontractors, and watching budgets in real time, North One gives you the tools to act fast. With same-day ACH, Envelopes for cash flow management, and a mobile-first design, it helps you stay in control while keeping operations moving.
Both accounts offer powerful tech integrations and are unencumbered by the brick-and-mortar locations of traditional banks. But if your business depends on real-time decisions and real-world payments, North One is for you.
North One Standard vs. Lili Standard Account
Both North One and Lili offer $0 business checking accounts, but North One delivers more earning power for a standard account.
Feature
North One Standard
Lili Basic
Monthly Fee
$0
$0
Cash back on card transactions
0% but up to 4% in select categories
0%
ATM Access
145,000+ ATMs through Allpoint+
and Green Dot®
145,000+ ATMs through Allpoint+ and Green Dot®
Cash Deposit Limits via Green Dot®
$1,500/day, $3,500/week, $5,000/month
$1,500/day, $3,500/week, $5,000/month
ACH Limit
Max of $500,000 per deposit, per day.
Send up to $50,000.00 per day,
and $1,500,000.00 per calendar month.
Send up to $50,000.00 per day, and $250,000.00 per calendar month.
Domestic Wire Limit
No maximum on deposits.
Send up to $200,000.00 per day and up to $6,000,000 per rolling 30-day period.
No maximum on deposits; send up to ACH limits.
Feature
North One Standard
Monthly Fee
$0
Cash back on card transactions
0% but up to 4% in select categories
Same-day ACH
145,000+ ATMs through Allpoint+ and Green Dot®
ATM Access
$1/check (Standard), $0 (Plus)
Cash Deposit Limits via Green Dot®
$1,500/day, $3,500/week, $5,000/month
ACH Limit
Max of $500,000 per deposit, per day.
Send up to $50,000.00 per day,
and $1,500,000.00 per calendar month.
Domestic Wire Limit
No maximum on deposits.
Send up to $200,000.00 per day and up to $6,000,000 per rolling 30-day period.
Feature
Lili Basic
Monthly Fee
$0
Cash back on card transactions
0%
ATM Access
145,000+ ATMs through Allpoint+ and Green Dot®
Cash Deposit Limits via Green Dot®
$1,500/day, $3,500/week, $5,000/month
ACH Limit
Send up to $50,000.00 per day, and $250,000.00 per calendar month.
Domestic Wire Limit
No maximum on deposits; send up to ACH limits.
North One Plus vs. Lili Pro, Smart, and Premiere
Choosing a paid business account isn’t just about the price; it’s about which plan actually improves your daily operations.
But for hands-on operators, North One Plus delivers more practical value for everyday use, without bloated costs.
Feature
North One Plus
Lili Pro
Lili Smart
Lili Premium
Monthly Fee
$30
$15
$35
$55
Cash back on card transactions
1%, plus up to 4% in select categories
0%, up to 20% at certain retailers
0%, up to 20% at certain retailers
0%, up to 20% at certain retailers
Real-Time Payments (RTP)
Available
N/A
N/A
N/A
Dedicated Support
Priority Support
Standard Support
Standard Support
Priority Support
Cash Deposits
Yes, via Green Dot and Allpoint
Yes, via Green Dot
Yes, via Green Dot
Yes, via Green Dot
Feature
North One Plus
Monthly Fee
$30
Cash back on card transactions
1%, plus up to 4% in select categories
Real-Time Payments (RTP)
Available
Dedicated Support
Priority Support
Cash Deposits
Yes, via Green Dot and Allpoint
Feature
Lili Pro
Monthly Fee
$15
Cash back on card transactions
0%, up to 20% at certain retailers
Real-Time Payments (RTP)
N/A
Dedicated Support
Standard Support
Cash Deposits
Yes, via Green Dot
Feature
Lili Smart
Monthly Fee
$35
Cash back on card transactions
0%, up to 20% at certain retailers
Real-Time Payments (RTP)
N/A
Dedicated Support
Standard Support
Cash Deposits
Yes, via Green Dot
Feature
Lili Premium
Monthly Fee
$55
Cash back on card transactions
0%, up to 20% at certain retailers
Real-Time Payments (RTP)
N/A
Dedicated Support
Priority Support
Cash Deposits
Yes, via Green Dot
Pricing and fees overview
North One and Lili both offer $0 base plans, but their pricing structures reflect different priorities. North One uses a flat-fee model: $30/month for Plus unlocks faster payments, waived check fees, and simpler access to core tools—no tiers or surprises.
Lili, by contrast, uses a four-tiered system with more integrations as you move up to from Basic toPro ($15), Smart ($35), and Premium ($55). Tools and software are locked behind those higher-priced plans.
Fee Type
North One
Lili
Monthly Fee
$0 (Standard) / $30 (Plus)
$0 (Basic) / $15 (Pro) / $35 (Smart) / $55 (Premium)
Inbound Domestic Wires
$0
$0
Outbound Domestic Wires
$20 (Standard), $15 (Plus)
$15
Same-day ACH
1.50% (Standard), $0 (Plus)
1.50%
Physical checks
$1/check (Standard), $0 (Plus)
$3/check
Overdraft
No fee
No fee
Cash Deposits
Free through Allpoint.
Up to 2 Green Dot surcharge fee reimbursements/month.
Green Dot fee up to $4.95
Minimum Balance
$0
$0
Fee Type
North One
Monthly Fee
$0 (Standard) / $30 (Plus)
Inbound Domestic Wires
$0
Outbound Domestic Wires
$20 (Standard), $15 (Plus)
Same-day ACH
1.50% (Standard), $0 (Plus)
Physical checks
$1/check (Standard), $0 (Plus)
Overdraft
No fee
Cash Deposits
Free through Allpoint.
Up to 2 Green Dot surcharge fee reimbursements/month.
Minimum Balance
$0
Fee Type
Lili
Monthly Fee
$0 (Basic) / $15 (Pro) / $35 (Smart) / $55 (Premium)
Inbound Domestic Wires
$0
Outbound Domestic Wires
$15
Same-day ACH
1.50%
Physical checks
$3/check
Overdraft
No fee
Cash Deposits
Green Dot fee up to $4.95
Minimum Balance
$0
The biggest advantage of North One, though, is how it eliminates hidden fees: no minimum balance requirements, no overdraft charges, and flat costs for key services like wires and same-day ACH. Instead of gating features behind multiple tiers, most tools are available upfront or through a single Plus upgrade. Relay’s tiered model may work well for businesses that send frequent payments or want granular controls, but understanding your total cost can take more effort.
Tools and features for Small Business Owners
Both North One and Relay offer built-in budgeting tools for business owners who want to embrace the Profit-First method. North One offers Envelopes, which allows users to set aside money for taxes, payroll, or materials directly within their account.
Mobile App Experience
North One’s app is designed for mobile-first business owners who work on the go. Users can send payments, deposit checks, and manage their budget directly from their phones, with an interface tailored for small operators.
Lili also offers a clean, intuitive mobile app, though its core strengths are more desktop-oriented and optimized for teams that manage multiple users or accounts. Business owners who rely heavily on mobile access may find North One’s app more streamlined for everyday tasks.
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Customer Support
North One support gets high marks in customer reviews, with users frequently naming specific agents who resolved issues fast or followed up without prompting. Live agents are available during business hours, and support is U.S.-based. While these offerings may seem standard at first glance, the consistency in which they’re called out in customer reviews underlines the support team’s dedication to helping their customers.
Lili only offers chat support, with live agents available slightly longer—8 a.m. to 8 p.m. ET Monday through Friday.
Integrations
Lili offers strong integrations with various software, like Gusto and Amazon. North One also offers integrations with accounting software, like PayPal, Shopify, and Square to help you move money in and out faster, especially from sales platforms and contractors.
Cash access
Both North One and Lili allow users to deposit checks via mobile app and accept cash, though North One has a bigger network operating through both Green Dot® and Allpoint. (Lili only uses Green Dot). North One markets its cash deposit capabilities directly to business owners who handle physical payments. For contractors, retailers, or service providers who deal with cash regularly, North One’s attention to this detail may be more practical.
Customer feedback and reviews
Review Site
North One
Lili
Trustpilot
(4.3/5)
(4.7/5)
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(5/5)
N/A
NerdWallet
(4.7/5)
(4.7/5)
Better Business Bureau
A-
B
Review Site
North One
Trustpilot
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(4.3/5)
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(5/5)
NerdWallet
(4.7/5)
Better Business Bureau
A-
Review Site
Lili
Trustpilot
(4.7/5)
N/A
NerdWallet
(4.7/5)
Better Business Bureau
B
Customer reviews for both North One and Lili are extremely positive, and the praise reflects the distinct strengths of each platform. For North One, business owners frequently mention fast response times, helpful in-app support, and a customer support team who goes above and beyond. Reviews occasionally point to longer-than-expected processing times for check deposits or delays during dispute resolution, but these are typically balanced by prompt replies from North One’s support team.
Lili users often highlight the app’s intuitive interface, fast setup, and helpful features tailored to freelancers—like expense tracking and tax tools. Many appreciate the responsive in-app support and quick resolution times for everyday issues. That said, some users report limitations when it comes to live phone support or handling more complex account matters, such as disputed transactions or locked accounts. While the overall experience is positive, support can feel less robust during high-volume periods or for more nuanced requests.
North One tends to be favored for responsive, human-centered support and reliability in everyday banking tasks, particularly by business owners working in the field. Lili stands out for its flexible infrastructure and seamless digital experience, especially among users with more structured financial workflows.
Which account is right for you?
If you’re a freelancer or solo entrepreneur, Lili Pro offers tools designed specifically for your needs—like automatic tax savings, expense categorization, and pre-filled tax forms. The monthly fee may be worth it for an all-in-one solution for staying organized without needing separate software or outside help.
But if you’re running a growing business with more complex cash flow—managing vendors, paying a crew, or juggling job site budgets—North One is likely the better fit. It offers clear, fast money movement . For hands-on operators who value speed, simplicity, and a little extra earning power, North One delivers where it counts.
