You Work Hard. Let Your Money
Work For You!
LiaFi is a platform that helps small businesses grow their cash reserves. With a LiaFi business account
you’ll earn 2.50% Annual Percentage Yield*. More money from us is more freedom for you.
*Annual Percentage Yield subject to change at any time.
1 As of 11/28/25 www.chase.com/content/dam/chase-ux/ratesheets/pdfs/rbor1.pdf
2 As of 12/01/25 https://business.bankofamerica.com/en/deposits/checking-accounts
3 As of 12/4/25 https://www.usbank.com/business-banking/banking-products/business-bank-accounts/business-checking-account/todays-business-checking-rates.html
4 National interest checking deposit rate comparison as of 11/17/25 from https://www.fdic.gov/national-rates-and-rate-capsMember FDIC. APY is variable and may change.
You Work Hard.
Let Your Money
Work For You!
LiaFi is a platform that helps small businesses grow their cash reserves. With a LiaFi business account
you’ll earn 2.50% Annual Percentage Yield*. More money from us is more freedom for you.
Start Earning More
*Annual Percentage Yield subject to change at any time.
1 As of 11/28/25 www.chase.com/content/dam/chase-ux/ratesheets/pdfs/rbor1.pdf
2 As of 12/01/25 https://business.bankofamerica.com/en/deposits/checking-accounts
3 As of 12/4/25 https://www.usbank.com/business-banking/banking-products/business-bank-accounts/business-checking-account/todays-business-checking-rates.html
4 National interest checking deposit rate comparison as of 11/17/25 from https://www.fdic.gov/national-rates-and-rate-capsMember FDIC. APY is variable and may change.
Keep Your Liquidity. Easy Transfers.
LiaFi is a financial technology company.
LiaFi deposits are FDIC-insured through Magnolia Bank, Member FDIC.
Keep Your Liquidity. Easy Transfers.
LiaFi is a financial technology company.
LiaFi deposits are FDIC-insured through Magnolia Bank, Member FDIC.
Some Banks Advertise High APY*.
Then Hit You With The Fine Print.
Some Banks Advertise
High APY*.
Then Hit You
With The Fine Print.
Typical High-Yield Account Features
How LiaFi is Different
Promotional ‘Up to’ APY With a Catch
Tiered rates
Intro periods
High minimums
Transfer limits
Straightforward APY. No Fine Print
No minimums to get APY
No platform fees
No lockups
You approve every transfer
Keep your bank. Connect one or many accounts.
Typical High-Yield Account Features
Promotional ‘Up to’ APY With a Catch
Tiered rates
Intro periods
High minimums
Transfer limits
How LiaFi is Different
Straightforward APY. No Fine Print
No minimums to get APY
No platform fees
No lockups
You approve every transfer
Keep your bank. Connect one or many accounts.
LiaFi is not a bank. Banking services by Magnolia Bank. Deposits FDIC-insured up through Magnolia Bank, Member FDIC. APY is variable and may change.
LiaFi is not a bank. Banking services by Magnolia Bank. Deposits FDIC-insured up through Magnolia Bank,
Member FDIC. APY is variable and may change.
You might be losing out without realizing it
Use the calculator to see what you could be earning.
Total
*This Calculator Is For Educational Purposes Only. Please Note That The Estimated APY Is Subject
To Change, Which May Impact Your Total Earnings.
You might be losing out without realizing it
Use the calculator to see what you could be earning.
Total
*This Calculator Is For Educational Purposes Only. Please Note That The Estimated APY Is Subject
To Change, Which May Impact Your Total Earnings.
TESTIMONIALS
Don't Just Take Our Word For It...
TESTIMONIALS
Don't Just Take Our Word For It...
Brett H.
"I don’t want to think about how much interest I missed out on"
"I regularly had well over $100,000 just sitting there earning nothing. For years. I assumed that was normal unless you wanted to lock the money up in a savings account. LiaFi is so simple, I wish I’d started sooner. I dread to think how much I could’ve earned before.”
Small Business Owner
Marianne
"Now my extra cash is actually doing something"
"I’m constantly juggling everything in my business, managing spare cash just wasn’t on my radar. Now I keep enough cash in my checking account to cover upcoming expenses and put the rest in Liafi to make money.”
Small Business Owner
Don’t Just Save. LiaFi.
It’s that simple
Don’t Just Save. LiaFi.
It’s that simple
LiaFi your idle cash from
your existing bank
accounts
Sign up for LiaFi completely online in just a few minutes,
then securely link all your existing business bank accounts
in two clicks.
LiaFi your idle cash from your
existing bank accounts
Sign up for LiaFi completely online in just a few minutes, then securely link all your existing business bank accounts in two clicks.
Book A Free DemoStart earning 2.50%
APY* on your cash
LiaFi tracks your account activity and shows when cash is idle, letting you move it to a high-yield, FDIC-insured account. So your money starts working, while you stay in control.
Book A Free Demo
Start earning 2.50% APY*
on your cash
LiaFi tracks your account activity and shows when cash is idle, letting you move it to a high-yield, FDIC-insured account. So your money starts working, while you stay in control.
Book A Free Demo
Get it back whenever you
need it
Need your cash for an unexpected bill? No problem. Easily transfer it back to your account when you need it, while keeping the interest you’ve earned.
Book A Free Demo
Get it back whenever
you need it
Need your cash for an unexpected bill? No problem. Easily transfer it back to your account when you need it, while keeping the interest you’ve earned.
Book A Free Demo
Your money can do more for you.
2.50% APY* more growth, that is.
With LiaFi, you get the financial tools you need to accelerate growth, and improve your
cash flow for the things that matter.
Your money can do more for you.
2.50% APY* more growth, that is.
With LiaFi, you get the financial tools you need to accelerate growth, and improve your
cash flow for the things that matter.
Ease the
financial load
on your
business.
Offset
Expenses
Recharge with a
well deserved
vacation.
Relax
Already
Modernize your
tools to meet your
brand’s needs.
Upgrade
Equipment
Reward your
team with a
bonus.
Show
Appreciation
Great rates are just the
beginning.
We help businesses stay ahead of the curve.
Being a financial technology company allows us to remain flexible. We’re able to adapt to changing market conditions and consumer preferences.
Because we don’t have physical branches to maintain and operate,
we can develop and launch new products and services faster and
with lower costs. Those savings get passed on to our customers.
Start Earning More
Great rates are just the
beginning.
We help businesses stay ahead of the curve.
Being a financial technology company allows us to remain flexible. We’re able to
adapt to changing market conditions and consumer preferences.
Because we don’t have physical branches to maintain and operate,
we can develop and launch new products and services faster and
with lower costs. Those savings get passed on to our customers.
Start Earning More
How do you protect my money, and
other important questions
How do you protect my money, and
other important questions
1. Is my money protected?
Yes. Cash moved to LiaFi earns interest in FDIC-insured accounts, provided by Magnolia Bank.
2. Can I access my money quickly if I need it?
You can move funds to and from your linked business checking anytime. Timing can vary based on cutoff times and your bank. (Your bank may charge fees for wires/expedited transfers.)
3. When do I start earning interest, and when is it paid?
Interest starts accruing on the business day your funds settle at Magnolia Bank. Interest is calculated daily and credited monthly. APY is variable and set by Magnolia Bank and may change at any time.
4. Why can’t my bank just do this for me?
Many business checking accounts pay little or no interest on operating balances. LiaFi sits alongside your existing checking and allows you to move surplus cash to an interest-earning account at Magnolia Bank—so you don’t have to switch banks to earn on idle cash. If your bank already offers a comparable solution that fits your needs, great—LiaFi is an easy alternative that keeps your current banking unchanged.
5. I already have a business savings account, why would I use LiaFi?
Use LiaFi if you want yield + flexibility without moving banks. It connects to your existing checking, pays a competitive APY on idle cash, and keeps funds accessible when you need them. If your current savings already gives you a comparable rate, access, and workflow, LiaFi may be redundant—but for many businesses it’s a simpler, higher-yield companion to checking.
1. Is my money protected?
Yes. Cash moved to LiaFi earns interest in FDIC-insured accounts, provided by Magnolia Bank
2. Can I access my money quickly if I need it?
You can move funds to and from your linked business checking anytime. Most ACH transfers complete the next business day; timing can vary based on cutoff times and your bank. (Your bank may charge fees for wires/expedited transfers.)
3. When do I start earning interest, and when is it paid?
Interest starts accruing on the business day your funds settle at Magnolia Bank. Interest is calculated daily and credited monthly. APY is variable and set by Magnolia Bank and may change at any time.
4. Why can’t my bank just do this for me?
Many business checking accounts pay little or no interest on operating balances. LiaFi sits alongside your existing checking and allows you to move surplus cash to an interest-earning account at Magnolia Bank—so you don’t have to switch banks to earn on idle cash. If your bank already offers a comparable solution that fits your needs, great—LiaFi is an easy alternative that keeps your current banking unchanged.
5. I already have a business savings account, why would I use LiaFi?
Use LiaFi if you want yield + flexibility without moving banks. It connects to your existing checking, pays a competitive APY on idle cash, and keeps funds accessible when you need them. If your current savings already gives you a comparable rate, access, and workflow, LiaFi may be redundant—but for many businesses it’s a simpler, higher-yield companion to checking.
Start earning interest on the cash your
business isn’t using
Open a LiaFi account and earn 2.50% APY* on idle cash without switching banks, locking up funds, or paying monthly fees.
Easy online application
Sign up in just 5 mins
Start Earning More
APY accurate as of July 24, 2025. Rate is variable and subject to change.
Start earning interest on the cash your
business isn’t using
Open a LiaFi account and earn 2.50% APY* on idle cash without switching banks, locking up funds, or paying monthly fees.
Easy online application
Sign up in just 5 mins
Start Earning
APY accurate as of July 24, 2025. Rate is variable and subject to change.
Banking & FDIC* Info
LiaFi is a financial technology company, not a bank. Banking services are provided by Magnolia Bank, Member FDIC.
APY* Details
The 2.50% Annual Percentage Yield (APY) is accurate as of July 24, 2025, and may change at any time without notice. The disclosed APY assumes that principal and interest remain on deposit for the full term. Actual earnings may vary based on balance and activity.
Terms & Disclaimers
LiaFi does not provide investment, tax, or legal advice. To earn the advertised APY, funds must be actively transferred to your LiaFi account. Withdrawals are typically available quickly. FDIC insurance applies only to settled funds held with Magnolia Bank.
Banking & FDIC* Info
LiaFi is a financial technology company, not a bank. Banking services are provided by Magnolia Bank, Member FDIC.
APY* Details
The 2.50% Annual Percentage Yield (APY) is accurate as of July 24, 2025, and may change at any time without notice. The disclosed APY assumes that principal and interest remain on deposit for the full term. Actual earnings may vary based on balance and activity.
Terms & Disclaimers
LiaFi does not provide investment, tax, or legal advice. To earn the advertised APY, funds must be actively transferred to your LiaFi account. Withdrawals are typically available quickly. FDIC insurance applies only to settled funds held with Magnolia Bank.