Switch once, with someone beside you
We plan it, run it with you, and track it to the last deposit.
Changing banks means moving all your recurring money in and outs.
Lemma offers white-glove migration support.
Changing the bank on file means logging into every payer portal, finding the right form, and waiting for each one to verify. For organizations with dozens of payers, that becomes a second job.
Lemma runs the entire onboarding process as a concierge service. This guide shows how the process works, from the first call to the last deposit.
50,000+ payer deposits matched to their remittance monthly.
Remittance reconciliation500+ HIPAA-compliant lockboxes receiving paper mail.
Lockbox15,500+ paper EOBs converted into 835s monthly.
EOB conversionHow Lemma supports you
Switching is not a self-serve checklist. A dedicated Lemma payer migration specialist analyzes your banking data, builds your plan from it, and works through every payer with you, in your portals if you want us there.
Link your existing bank in about three minutes. We read your recent transaction history and pull every source of money in, so no payer is dropped.
We pull the same history for money out, because a switch that only moves deposits breaks the bills still tied to the old account.
Each payer is mapped to the portal needed to change your banking information.
Lemma maintains a network of 2,300+ insurance payers and documents how each one changes the bank account it deposits into. Every payer on your plan is matched to its entry, so we know whether it changes by portal, form, documents, or phone before the kickoff call.
We maintain the Payer EFT Network, a proprietary directory of 2,300+ payers that documents the portal, form, documents, or phone route to change each one's bank account, with payer IDs and provider services contacts. Your plan maps every payer to its entry documented from our specialists' lived experiences.
Most EFT switches finish in about two weeks, and a full migration takes 4 to 10 weeks, in which Lemma takes on the monitoring and tracking of payer deposits. Payers set their own pace: Cigna takes roughly 3 to 5 days, a Medicare MAC 4 to 6 weeks, and state Medicaid 4 to 8 weeks. Your team gives us access to your portals and we take on the admin and project management.
Link your existing bank and join a kickoff call. Then either sign in to each payer portal and switch with us on a screen share, or add our specialists as users and we make the changes for you. If your practice is new or cash only, we have an onboarding fast track to get you set up and going quickly.
The full list of portals we work with is documented in our Payer EFT Network resource. Beyond working with portals, our specialists can also draft emails and call on your behalf.
We can help change your remit-to or pay-to address with your insurance payers and EHR system so that all checks come into your Lemma lockbox.
Each payer is switched individually. We confirm deposits landing in Lemma and keep your old account open for two clean payment cycles before you close it.
Some portals display the bank as Core Bank, CoreBank, or Centennial Bank. The routing and account numbers are correct and route to your Lemma account.
Yes. Each entity gets its own tracker and plan, so a group can move every PC on one schedule.
Yes. After the kickoff call we send a Day 1 Guide covering funding, getting paid, cards, approvals, vendor bills, and QuickBooks, so your team is ready when the last payer switches.
Lemma is a fintech company. Banking services are provided through Core Bank, Member FDIC. Funds above $250,000 are enrolled in the IntraFi network for $100M+ FDIC coverage.