Annual Percentage Yield (APY) as of today; variable and subject to change. LiaFi is a financial technology company, not a bank. Banking services are provided by Magnolia Bank, Member FDIC.

Not a Checking Account. Not a Savings Account.

Something Smarter.

Start Earning

LiaFi helps businesses earn higher interest on operating cash—without switching banks, locking up funds, or meeting high minimums.

Start earning 2.50% APY* on idle cash, without switching banks, locking up money, or paying monthly fees.

Start EarningView Eligibility & Restrictions

Earn a flat APY on operating funds — no fine print

Access your cash, typically within a few business days.

FDIC-insured through Magnolia Bank (est. 1919)

View Eligibility & Restrictions

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IDLE CASH, LOST POTENTIAL

If you leave cash sitting in your business checking account, you’re losing money

You need operating cash to pay your expenses and your people. But anything beyond that is idle cash. Cash that’s not only not earning interest, it’s actually shrinking in value because of inflation.

The money you have today will be worth less tomorrow, so it’s time to start making all of your money work as hard as you do.

IDLE CASH, LOST POTENTIAL

If you leave cash sitting in your business checking account, you’re losing money

You need operating cash to pay your expenses and your people. But anything beyond that is idle cash. Cash that’s not only not earning interest, it’s actually shrinking in value because of inflation.

The money you have today will be worth less tomorrow, so it’s time to start making all of your money work as hard as you do.

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

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.

Start Earning

*Illustrative. Not a specific institution; market practices as of today.

Annual Percentage Yield - APY is accurate as of today. Rate is variable and subject to change. LiaFi
deposits are FDIC-Insured through Magnolia Bank, Member FDIC

Start Earning

*Illustrative. Not a specific institution; market practices as of today.

Annual Percentage Yield - APY is accurate as of today. Rate is variable and subject to change. LiaFi
deposits are FDIC-Insured through Magnolia Bank, Member FDIC

background-effect

How LiaFi works

Connect your bank. Transfer Funds. Start Earning Interest.

Step 1

Check eligibility

LiaFi accounts are available only for approved business types.

Step 2

Connect accounts

Link one or many business checking accounts. Keep your current bank.

Step 3

Start Earning Interest

Earn interest while keeping your liquidity. No fees. No switching banks. No locking up your money.

Step 4

Check Your TOR
Score

LiaFi created a simple to use financial healthtracker to help you manage your business cashflow

Step 1

Check eligibility

LiaFi accounts are available only for approved business types.

Step 2

Connect accounts

Link one or many business checking accounts. Keep your current bank.

Step 3

Start Earning Interest

Earn interest while keeping your liquidity. No fees. No switching banks. No locking up your money.

Step 4

Check Your TOR
Score

LiaFi created a simple to use financial healthtracker to help you manage your business cashflow

Where LiaFi Fits in Your

Financial Toolkit

How LiaFi Compares

See how LiaFi stacks up against traditional business accounts — and why small businesses are choosing smarter cash management.

Start Earning

Traditional
Business Checking

High-Yield Business Savings (HYSA)

Money Market
Account (MMA)

Certificate of
Deposit (CD)

Annual Percentage Yield

Variable APY — same rate for all balances

Typically near 0.00%–0.10% APY

Higher APY advertised, but often tiered or temporary

Higher APY advertised, but often tiered or temporary

Fixed APY — funds locked for term

Monthly Fees

No monthly maintenance fees

Monthly maintenance fees unless you maintain a high minimum balance

Often free but may require high balance to earn top rate

Monthly fees or balance requirements may apply

No monthly fee, but early withdrawal penalties apply

Access to Funds

Move money when needed — no penalties

Full access, but earns almost no interest

Limited withdrawals; funds may take 1–3 days to transfer

Limited monthly withdrawals per federal guidelines

Locked until maturity; penalties for early access

Setup Time

Open online in minutes

Often requires branch visit or multiple steps

Usually quick setup, but transfer limits apply

Setup and access vary by bank

Setup and access vary by bank

Bank Connection

Works with most existing business checking account

Only works within one bank

Usually tied to one bank

Usually tied to one bank

Usually tied to one bank

Lockups or Penalties

None — withdraw or move funds anytime

None — but earns negligible interest

Transfer limits may apply

Withdrawal limits may apply

Early withdrawal penalties apply

Best For

Small businesses that want earnings on idle cash while keeping access

Everyday transactions, not growth

Short-term savings goals with limited access

Holding moderate reserves; limited liquidity

Long-term fixed returns where access isn’t needed

FDIC Coverage

FDIC-insured through Magnolia Bank

FDIC-insured

FDIC-insured

FDIC-insured

FDIC-insured

Key Drawback

Variable rate may change

Very low yield on deposits

Restrictions and balance tiers limit flexibility

Possible capped monthly withdrawals

No access until term ends

LiaFi is not a bank. Banking services provided by Magnolia Bank, Member FDIC.

This is a variable-rate account; rates may change at any time.

Rates shown for comparison are illustrative and may differ by financial institution.

NO NEED TO SWITCH BANKS OR LOCK UP YOUR CASH

Link LiaFi to your business checking account to earn 2.50% APY* on idle cash

LiaFi Business Account connects seamlessly to your current business checking account. Instead of earning almost zero interest (and losing money to inflation), by moving surplus cash into a FDIC-insured account earning 2.50% APY*.

No monthly fees, no minimum balance requirements, and no locking up funds like with some saving accounts. If you need the cash, easily transfer it back to your account. You simply carry on running your business as usual. The cash you need for day-to-day expenses stays put in your bank account, while every spare dollar can be moved to LiaFi to grow.

Whether your idle balance is $10K or $250K, LiaFi leaves what you need for expenses and lets you move the rest to earn interest.

NO NEED TO SWITCH BANKS OR LOCK UP YOUR CASH

Link LiaFi to your business checking account to earn 2.50% APY* on idle cash

LiaFi Business Account connects seamlessly to your current business checking account. Instead of earning almost zero interest (and losing money to inflation), by moving surplus cash into a FDIC-insured account earning 2.50% APY*.

No monthly fees, no minimum balance requirements, and no locking up funds like with some saving accounts. If you need the cash, easily transfer it back to your account. You simply carry on running your business as usual. The cash you need for day-to-day expenses stays put in your bank account, while every spare dollar can be moved to LiaFi to grow.

Whether your idle balance is $10K or $250K, LiaFi leaves what you need for expenses and lets you move the rest to earn interest.

OPEN A NEW HIGH-YIELD ACCOUNT FOR YOUR IDLE CASH

Start making every dollar work harder

Start Earning

Earn 2.50% APY* on idle cash automatically

LiaFi lets you move extra cash into an account with Magnolia Bank, FDIC-insured. You stay in control of your money, with easy access whenever needed.

Earn 2.50% APY* on surplus cash

No monthly fees and account lock-ups

Get your money back when you need it

Know exactly what cash is safe to move

LiaFi analyzes your real account activity to give you a simple cash-flow health score. So you always know how much to keep, and what you can safely move to earn.

Tracks real credits and debits

Gives a clear cash-flow health score

Allows you to decide how much to move

FDIC-insured* through a trusted community bank

Funds are held in FDIC-insured* accounts at Magnolia Bank, a 100+ year-old institution. They are protected by the full faith and credit of the US government.

FDIC-Insured through Magnolia Bank

Held with Magnolia Bank (est. 1919)

Backed by a $500M+ institution

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

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 with full faith and credit of the U.S. government. If your balances are higher, we can help you stay protected, just contact us at support@liafi.co.

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 routes surplus cash to an interest-earning program 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. How does LiaFi make money if it’s free to me?

LiaFi doesn’t charge account fees. We’re compensated by our bank partner (out of the interest the bank earns on deposits and/or service fees Magnolia Bank pays to LiaFi). Your current bank or transfer provider may charge their own fees.

6. 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 with full faith and credit of the U.S. government. If your balances are higher, we can help you stay protected, just contact us at support@liafi.co.

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 routes surplus cash to an interest-earning program 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. How does LiaFi make money if it’s free to me?

LiaFi doesn’t charge account fees. We’re compensated by our bank partner (out of the interest the bank earns on deposits and/or service fees Magnolia Bank pays to LiaFi). Your current bank or transfer provider may charge their own fees.

6. 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

Annual Percentage Yield (APY) accurate as of today. 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

Annual Percentage Yield (APY) accurate as of today. 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.

Interest & APY* Details

The 2.50% Annual Percentage Yield (APY) is accurate as of today, 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 in 1-3 business days.

Banking & FDIC* Info

LiaFi is a financial technology company, not a bank. Banking services are provided by Magnolia Bank, Member FDIC.

Interest & APY* Details

The 2.50% Annual Percentage Yield (APY) is accurate as of today, 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 in 1-3 business days.

* Annual Percentage Yield - APY is accurate as of today. Rate is variable and subject to change. LiaFi deposits are FDIC-Insured through Magnolia Bank, Member FDIC

Privacy Policy | Fee Schedule | Eligibility & Restrictions

support@liafi.co

Eligibility Notice

LiaFi business accounts are not available to businesses engaged in gambling, adult entertainment, sexual encounter firms, illegal substances, controlled substances (including medicinal marijuana, marijuana, cannabis, and hemp), money service businesses, virtual currency exchanges, debt resolution services, or political campaigns. Applications from these sectors will not be processed.

What You’ll Need to Get Started

Signing up takes just minutes. Have these handy:

1. EIN (Employer Identification Number) or SSN (sole proprietor)
2. Articles of Incorporation / Organization (business formation document)
3. Government-issued photo ID for owner(s) or authorized signer(s)
4. Operating Agreement or Partnership Agreement (if applicable)
5. Business license (if required in your state/city)