Modern
healthcare banking

Banking that already knows how healthcare gets paid.
Checks, EOBs, and payer deposits reconcile themselves. Up to 1.75% APY.

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Stop juggling banks, logins, and spreadsheets

Deposits, every account, cards, bill pay, and cash that earns, all in one place.

Deposits that arrive already reconciled

Our AI-powered lockbox scans and matches EOBs on arrival, so your team can focus on patient care, not paperwork.

Two remittance rows, a United Health ERA marked matched with a green check and an Aetna ERA still unmatched.

Track every account in one center

Know exactly who paid you, instantly. Create accounts per entity or location.

Three payer accounts side by side, a commercial payer, a government payer, and a patient, each showing its own balance.

Cards and Bill Pay

Stop getting charged twice. Issue debit cards with customized spending controls.

Two stacked Lemma Mastercard cards issued to a professional corporation, the top one marked active.

Up to 1.75% APY on every dollar

Money should work. Yours has been on break. Earn on the cash in your checking account. $10M FDIC protection.

A balance trending upward over time, labeled up to 1.75% APY.

Lemma Capital

Beta

Advances on claims you’ve submitted

Turn unpaid claims into working capital without leaving your Lemma account. In private beta with a limited group of practices.

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Treasury for multi-entity healthcare groups

Entity management, cash sweeps, payments, and lockbox — centralized.

Entity Management

Built for multi-entity groups

MSO-PC and DSO-PC banking shouldn't take weeks and require in-person visits. Open compliant, separated accounts for every entity in minutes.

Separate Business Checking, Medicare, and Patient Payment accounts listed with their own balances, above a summary of total inflows and outflows.

Cash sweeps

Every account funded, automatically

Cash piles up in one account while another runs short. Set a threshold rule once per account, and Lemma moves the excess daily and keeps every account above its floor. Prefer to move money by hand? Every transfer is documented either way.

Two automated sweep rules, one routing a payer to a vendor every 4 hours and one moving business checking to the MSO operating account every 24 hours, each keeping a minimum balance behind.

Payments

Every transfer leaves an audit trail

ACH, RTP, FedNow, and wires to vendors, labs, providers, and staff, plus every intercompany transfer, each one timestamped, categorized, and tied to the entity that sent it.

Transaction detail for a $50,000 ACH credit, categorized with a purpose of intracompany transfer.

Lockbox

AI-powered lockbox

We scan and digitize all paper correspondence, including checks and EOBs. No more manual posting.

A lockbox mailing address alongside the business checking account that scanned check deposits are routed into.

Connect your stack.
Scale your operations.

Bring your existing tools, data, and workflows into a single, unified interface. Setup takes minutes with zero disruption to your daily operations.

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Resources for healthcare entities

Telehealth spin up: your first 12 weeks

What to do in weeks 0-12 of a multi-state telehealth launch: an MSO and a PC per CPOM state, a bank account per entity, licensing that runs 30-120 days a state, credentialing 60-150 days a payer, then payer EFT enrollment.

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Bluevine vs Lemma for medical practices

Comparing Bluevine and Lemma for your medical practice? See how they stack up on APY fine print, paper checks, ERA reconciliation, multi-entity banking, and healthcare-specific features, and why practices are switching to Lemma.

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KeyBank vs Lemma for medical practices

Comparing KeyBank and Lemma for your medical practice? See how they stack up on fees, transaction limits, ERA reconciliation, lockbox, and multi-entity banking, and why practices are switching to Lemma.

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Mercury vs Lemma for medical practices

Comparing Mercury and Lemma for your medical practice? See how they stack up on payer EFT enrollment, paper checks, ERA reconciliation, and healthcare-specific features, and why practices are switching to Lemma.

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How to handle a healthcare banking migration after an acquisition

A guide for MSOs and healthcare organizations migrating bank accounts, payer ACH enrollments, lockbox payments, and treasury workflows after acquiring a new entity.

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