App record
Lili: who holds your money
- Institution type
- App
- Insurance route
- Pass-through FDIC insurance
- Recorded partner banks
- 1
- Disclosure read
- September 5, 2026
Insurance route
Pass-through FDIC insuranceLili's disclosure, read on September 5, 2026, describes FDIC pass-through coverage, deposit insurance through partner banks. Coverage depends on customer identification and recordkeeping. It protects eligible deposits when a partner bank closes, not the app company itself. An app closure does not trigger that protection. The visible disclosure and notes provide the programme’s specific conditions.
Summary
Lili is not a bank. Lili says customer money is held at Sunrise Banks, National Association, with insurance reaching customers as pass-through FDIC insurance at the partner bank, subject to the app's recordkeeping. We read this information in the app's own public disclosure on September 5, 2026, and this page quotes that disclosure below. You can check each partner bank's own page on this site.
Current commentary
Lili is not a bank, and customer money sits at Sunrise Banks, National Association, graded B among banks of similar size on this site. FDIC insurance reaches the money through Sunrise Banks, National Association, provided Lili’s records identify each customer. The stated limit is $250,000 per depositor, per insured bank, for each account ownership category. This description reflects Lili’s disclosure read on September 5, 2026.
Partner banks
1 bankSunrise Banks, National Association
- FDIC certificate
- 18561
- Role
- program bank
- Uninsured deposit share
- 15.3%
- Lefomi grade
- Grade BScore 51.1 out of 100
- Quarter ending
- June 30, 2026
- Other peers
- 894
- Peer group
- Banks, $1B to under $10B
- Deposit insurance
- FDIC insured
Grade alerts for Sunrise Banks, National Association
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