> [llms.txt](https://getlemma.com/llms.txt)

# Business banking built for medical practices

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.

[Book a demo](https://calendly.com/d/ct72-djp-r7w)

## Everything you need for banking

Four things change the moment you switch to Lemma

### Open accounts as fast as you open locations

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.

### Move money the same day

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.

### Role-based permissions

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.

### A bank bundled with healthcare workflows

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 Charge patient cards from the same dashboard and retire your outdated payment processor.

## Earn on every dollar

Up to 1.75% APY, accrued monthly on every balance, automatically. No minimums, no separate savings product to move money into.

## Your cash is protected

Up to $10M in FDIC insurance, 40x the standard $250,000 limit, spread across our network of partner banks through Core Bank.

## Frequently asked questions

**How fast can I open an account?**

About 5 minutes online. No paperwork to mail in, no branch visit, no appointment.

**How many accounts can I open?**

One per entity, instantly, from the same login, with no new application each time.

**Is my money FDIC insured?**

Yes. Deposits are covered up to $10M in aggregate, spread across our network of partner banks, 40x the standard $250,000 limit.

**Can I send money to other banks instantly?**

Yes. Free RTP and FedNow transfers move money to other banks in seconds.

**Are there transfer limits?**

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.

**Do you support MSO-PC structures?**

Yes. Lemma is purpose-built for MSO-PC and multi-entity practice structures.

**What does it cost?**

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.

## The rest of the platform

- [Lockbox](/lockbox) — Checks and EOBs, scanned and posted the same day.
- [Remittance Reconciliation](/remittance-reconciliation) — AI-matched EOBs and ERAs, reconciled automatically.
- [MSO-PC Banking](/mso-pc-banking) — Purpose-built for multi-entity practice structures.
- [Lemma Capital](/lemma-capital) — Fixed-fee draws against a preapproved limit, no interest.
- **Integrations** — Connect your practice management and accounting tools.
- [Corporate Cards](/cards) — Free virtual and physical debit cards with custom limits.

## 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](https://calendly.com/d/ct72-djp-r7w) or [open a free account](https://app.getlemma.com/sign-up)