Open in 5 minutes, not 5 weeks
No paperwork, no appointment, no branch. Healthcare banking that scales from a single PC to a multi-entity group.
Book a demo
Open an account in 5 minutes, add one per entity instantly, move money the same day, earn up to 1.75% APY on every balance, and keep up to $10M FDIC insured.
Business Checking
$483,850.65
PC Dermatology
Active
PC Cardiology
Active
Up to 1.75% APY
Accruing
Four things change the moment you switch to Lemma
Open a new account in 5 minutes. Every entity gets its own account and routing numbers, with no new application, no new underwriting, and no waiting on approval.
New account
Ready in 5 minutes
Free ACH, RTP, and FedNow move money in seconds. Send bulk payments for checks, patient refunds, or vendor bills straight from the dashboard. Checkbook not required.
Send $2,400.00
Acme Medical Supply, vendor payment
Create rules for outgoing transfers and per-card spend limits. Each permission is scoped to each entity so nobody gets more access than they need.
Banking roles
Owner
Full access, approves transfers
Accounting
Moves money, issues cards
Read Only
Views and exports only
Type a patient's address and we print, sign, and mail the refund check, so nobody walks to the post office. Charge patient cards from the same dashboard and retire your outdated payment processor.
Patient payments
Mail a refund check
M. Alvarez, 214 Cedar Ave
Charge card on file
Visa ending 4242
No post office, no processor
Up to 1.75% APY, accrued monthly on every balance, automatically. No minimums, no separate savings product to move money into.
Balance over time
Up to $10M in FDIC insurance, 40x the standard $250,000 limit, spread across our network of partner banks through Core Bank.
FDIC coverage
$250K
$10M
Standard
Lemma
Lockbox
Checks and EOBs, scanned and posted the same day.
Remittance Reconciliation
AI-matched EOBs and ERAs, reconciled automatically.
MSO-PC Banking
Purpose-built for multi-entity practice structures.
Lemma Capital
Fixed-fee draws against a preapproved limit, no interest.
Integrations
Connect your practice management and accounting tools.
Corporate Cards
Free virtual and physical debit cards with custom limits.
About 5 minutes online. No paperwork to mail in, no branch visit, no appointment.
One per entity, instantly, from the same login, with no new application each time.
Yes. Deposits are covered up to $10M in aggregate, spread across our network of partner banks, 40x the standard $250,000 limit.
Yes. Free RTP and FedNow transfers move money to other banks in seconds.
No. If you have the cash, you can send it. You are running a large business, and there is no reason for your bank to cap how much of your own money moves in a day.
Yes. Lemma is purpose-built for MSO-PC and multi-entity practice structures.
The base plan is $0 per month with free ACH and no minimum balance. Wires are a flat $15, and lockbox envelopes are $2.50 each. See the pricing page for every plan and rate.