# Lemma > Healthcare banking for medical practices, MSOs, DSOs, and multi-entity groups, with accounts, payments, treasury, lockbox, and insurance-payment reconciliation. ## Related indexes - [Product documentation index](https://getlemma.com/docs/llms.txt): llms.txt index of the full product documentation - [Provider guides index](https://getlemma.com/provider-guides/llms.txt): llms.txt index of Lemma's blog ## Product pages - [Lemma - Healthcare banking for MSO-PC and DSO-PC groups](https://getlemma.com/index.md): Open a free account in 5 minutes. Lemma is the fastest-growing healthcare banking partner for MSO-PC and DSO-PC structures. Automated Recon, AI-powered Lockbox, up to 1.75% APY on checking accounts, and $10M FDIC. - [Referral program](https://getlemma.com/referral.md): Refer a practice to Lemma and earn $1,000 when they open a business account and deposit $25,000 in cash-pay or payer revenue within 60 days. No cap on referrals or earnings. - [Business banking for medical practices](https://getlemma.com/business-banking.md): Open an account in 5 minutes. An account per entity, up to 1.75% APY, up to $10M FDIC insurance, and free RTP, fully digital business banking for medical practices. - [Debit cards with customizable spending limits](https://getlemma.com/cards.md): Free virtual and physical debit cards for healthcare teams, with spending limits per transaction, day, week, or month. Cards spend only available cash, while the Lemma account balance behind them earns up to 1.75% APY. - [AI-powered healthcare lockbox](https://getlemma.com/lockbox.md): Route checks and EOBs to your dedicated Lemma healthcare lockbox. We scan, post to your billing system, and reconcile automatically, same day. - [Payment reconciliation for healthcare](https://getlemma.com/remittance-reconciliation.md): Payer deposits arrive matched to remittance. 94% auto-match, trace number on every EFT, posting-ready output. - [Convert EOBs to 835s](https://getlemma.com/eob-conversion.md): Lemma converts EOB images and PDFs into 835 files at 96% accuracy, in by lockbox mail or upload, and matches each remittance to the ACH, check, or virtual card that paid it. Also covers per-provider collections for payroll, rejection flagging, and search across banking and claim data. - [EHR integrations](https://getlemma.com/ehr-integrations.md): Lemma connects healthcare organizations to nearly every EHR and adds a new integration every week. EHR and clearing-house data joins lockbox EOBs, checks, and ACHs in one automatic reconciliation workflow; teams with a homegrown EHR can use the Lemma API to send data directly. - [MSO-PC banking for multi-entity groups](https://getlemma.com/mso-pc-banking.md): An account per PC with full fund segregation, consolidated MSO reporting, automated sweeps, and up to $10M FDIC. - [Working capital for your business](https://getlemma.com/lemma-capital.md): Credit sized to your practice revenue. No personal guarantee, no branch visit, funded in 48 hours. - [MSO Banking & Treasury Management: Multi-Entity Accounts](https://getlemma.com/mso-banking.md): Open compliant MSO-PC and DSO-PC bank accounts in 5 minutes. Streamline multi-entity cash sweeps, wire transfers, and EOB reconciliation. - [Multi-entity banking guide for MSO-PC and DSO-PC groups](https://getlemma.com/multi-entity-banking.md): The complete guide to multi-entity banking for healthcare MSO-PC structures. Separate accounts per PC, automated sweeps, and $10M FDIC coverage. - [Banking for Dental practices](https://getlemma.com/dental-practices.md): How dental practices reconcile PPO insurance EFTs, patient card payments, and in-house membership drafts against one ledger, post EFTs against EOB line items to catch write-offs and short pays, and pay lab and supply invoices over free ACH. - [Banking for Physical Therapy practices](https://getlemma.com/physical-therapy.md): How physical therapy clinics handle hundreds of small insurance EFTs a week with no per-deposit fee, attribute collections to individual therapists with virtual accounts, catch authorization-limit denials the day a remittance posts, and route workers' comp and auto-claim checks through a lockbox. - [Banking for Urgent Care](https://getlemma.com/urgent-care.md): How urgent care centers reconcile the payer-EFT and patient-card halves of a single encounter, track deposits by commercial payer to catch a slowing plan early, keep flu-season peak balances covered to $10M FDIC, and separate occupational-health contract revenue from clinical claims. - [Banking for Behavioral Health Practices & ABA Centers](https://getlemma.com/behavioral-health.md): How behavioral health and ABA practices reconcile self-pay and superbill revenue alongside in-network payer EFTs, pay clinicians a percentage of collected (not billed) revenue via per-clinician virtual accounts, and track prepaid session packages as a liability rather than revenue. - [Banking for Orthopedic practices](https://getlemma.com/orthopedics.md): How orthopedic practices line up the professional, facility, anesthesia, and implant components of one surgical case, each on its own payment timeline, fund implant invoices that arrive before the payer does, and run the practice and ASC as separate entities with automated sweeps. - [Banking for Chiropractic practices](https://getlemma.com/chiropractic.md): How chiropractic offices reconcile thousands of small cash-pay transactions a month with a two-person front desk, track prepaid care-plan drafts as unearned revenue, and match personal injury settlement checks arriving months or years later back to the original case via lockbox. - [Banking for Dermatology practices](https://getlemma.com/dermatology.md): How dermatology practices keep same-day cosmetic cash-pay revenue separate from medical claims that pay weeks later, finance injectable and device inventory ordered ahead of demand, and post the professional, facility, and pathology components of a Mohs case to one case file. - [Banking for Med Spas](https://getlemma.com/med-spa.md): How med spas run the MSO-PC structure, a management company over a physician-owned PC, from one location, adding a new PC or site in minutes while scaling, tracking prepaid packages as deferred revenue per location, and reconciling CareCredit, Cherry, and PatientFi payouts net of fees. - [Banking for Telehealth companies](https://getlemma.com/telehealth.md): How telehealth companies open a management company and a PC in every state fully online in minutes, run every entity's balances and payouts from one dashboard, and move weekly clinician payouts and subscriber refunds over free ACH and RTP with no per-transaction fee. ## Pricing - [Pricing](https://getlemma.com/pricing.md): Compare Lemma healthcare banking plans. Single-entity practices are free forever: unlimited accounts, free ACH, RTP, and FedNow transfers, and earn on your deposits. Multi-entity MSO-PC structures pay $50 per entity. ## Legal - [Privacy Policy](https://getlemma.com/privacy-policy.md): Lemma Technologies privacy policy. How we collect, use, and protect your information. - [Platform Agreement](https://getlemma.com/lemma-platform-agreement.md): Lemma's Platform Agreement: the Services Agreement governing ACH, wire, and account terms, plus the Business Associate Agreement (BAA) covering HIPAA-protected health information handling, which sits on its own page. - [Business Associate Agreement](https://getlemma.com/business-associate-agreement.md): Lemma Business Associate Agreement (BAA). How Lemma safeguards Protected Health Information under HIPAA while providing its services. - [Electronic Communications Agreement](https://getlemma.com/lemma-electronic-communications-agreement.md): Lemma Electronic Communications Agreement. Consent to receive disclosures and notices electronically. - [Payment Processing Agreement](https://getlemma.com/payment-processing-agreement.md): Lemma Payment Processing Agreement. Terms for embedded card, ACH, and payment processing services, including fees, fair use, and chargeback liability.