The account that skips the branch
Open in 5 minutes. No paperwork, no appointment, no trip downtown.
Book a demo
Open an account in 5 minutes, add one per entity instantly, move money the same day, earn 1.75% APY on every balance, and keep up to $10M FDIC insured.
Business Checking
$483,850.65
PC Dermatology
Active
PC Cardiology
Active
1.75% APY
Accruing
Three 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 RTP, ACH, wires, 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
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
1.75% APY, accrued monthly on every balance, automatically. No minimums, no separate savings product to move money into.
Balance over time
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 cards for every entity.
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.
Free RTP transfers move money instantly, plus ACH, wires, FedNow, and bulk transfers.
Yes. Lemma is purpose-built for MSO-PC and multi-entity practice structures.
Free ACH, no monthly fees, and no minimum balance. Wires are a flat $15, and lockbox check items are $2 each.
Open in 5 minutes. No paperwork, no appointment, no trip downtown.
Book a demo