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

# How long to open bank accounts for 5 PCs?

Realistic timelines for opening bank accounts across multiple PCs in an MSO-PC structure, why generalist banks take 35 to 75 days, and what practices can do in parallel.

Most multi-PC groups discover the answer to this question the hard way: it takes longer than they planned for, unless they've seen [opening a single new PC account in minutes rather than weeks](/provider-guides/five-minute-account-opening-for-your-next-pc), and the cash flow consequences arrive before the accounts do.

At a generalist business bank, opening accounts for a 5-PC structure runs 35 to 75 days. At a healthcare-native bank, the same setup is 5 to 10 days. The gap matters because every day without a working account is a day insurance reimbursements can't land, payer EFT enrollments can't be filed, and patient billing can't fund payroll.

## Why generalist banks take 35 to 75 days

Generalist business banks treat each PC like a separate, unrelated business, the same pattern that breaks down as soon as [a single-entity account stops fitting a growing group](/provider-guides/mso-pc-banking-multi-location-practices). Every entity goes through full onboarding from scratch:

- Documentation collection: articles of incorporation, EIN letter, beneficial ownership disclosures, operating agreement
- KYC review: 7 to 15 days per entity, often serialized rather than parallel
- Underwriting: deposit limits, ACH velocity caps, wire authorization. Each entity reviewed independently
- Account activation: routing numbers issued, debit cards mailed, online banking provisioned

For 5 PCs, that pattern multiplies. A bank with a 7-day per-entity timeline can take 35 days at minimum. Banks that don't run multi-entity onboarding in parallel can stretch to 75 days or more.

None of this includes payer EFT enrollment, which depends on having a working bank account first. Add another 30 to 60 days for payer enrollment after account activation.

## Why healthcare-native banks take 5 to 10 days

[Banking that onboards every entity in parallel](/mso-banking) assumes MSO-PC from day one. The onboarding flow is designed for multi-entity structure rather than retrofitting a single-entity flow:

- Documentation: collected once for the MSO and reused (where legally permissible) across PCs. Beneficial ownership and KYC reviewed in parallel
- Underwriting: applied at the structure level, not the entity level, so deposit limits and velocity caps are set consistently across all PCs
- Account activation: all entities provisioned together, with consolidated dashboard access
- Payer EFT enrollment support: routing numbers and account documentation made available immediately so the practice can file payer enrollments in parallel with onboarding completion

Lemma's onboarding for a 5-PC group typically runs 5 to 10 business days. Adding a 6th or 7th PC later runs 2 to 5 days because the structure is already in place.

## What to do during the gap

Whatever timeline your bank runs, a few moves shrink the practical impact:

- File payer EFT enrollments the moment routing numbers are available, even if accounts aren't fully activated. Most payers accept enrollment with a pending status
- Open virtual accounts for per-location attribution while waiting on the underlying entity accounts to clear
- Document intercompany flow expectations in the management services agreement before accounts open, following [the step-by-step account setup checklist](/provider-guides/mso-pc-account-setup-checklist). Once accounts are live, sweep rules can be configured to match
- Avoid signing payer contracts on a timeline that assumes accounts are already open. Build buffer

What Lemma doesn't do: it doesn't fast-track payer enrollment with the carriers themselves, or replace the legal documentation work that has to happen for each PC. It removes the bank-side delay so payer enrollment can start sooner.

## Your bank doesn't know healthcare. Lemma does.

Lemma is business banking for healthcare practices, MSOs, DSOs, and multi-entity groups: free ACH, up to 1.75% APY, $10M FDIC protection, entity management, cash sweeps, and an AI-powered lockbox that digitizes checks and EOBs on arrival.

Free for a single entity, $50/month per entity for groups. Open in 5 minutes. It's the last bank switch you'll make.

[Sign up](https://app.getlemma.com/sign-up)
[Book a demo](https://calendly.com/d/ct72-djp-r7w)
[Pricing](https://getlemma.com/pricing)