Banking for chiropractic practices
Lemma takes every ACH at no fee and tags prepaid plans, insurance, and PI settlements separately.
Book a demo
Lemma takes every ACH at no fee and tags prepaid plans, insurance, and PI settlements separately.
Book a demoPrepaid care plans
Tagged as deferred revenue and swept into an interest-bearing reserve until it's used.
Small-dollar insurance EFTs
Matched automatically against remittance, at no per-deposit fee.
Personal injury and LOP checks
Digitized through the lockbox and matched to the case they settle.
Retail and supplements
Tagged apart from care revenue the moment the deposit lands.
Two hundred small deposits a month, each matched, at no per-deposit fee. Attorney and carrier checks go through the lockbox.
Deposit
A second office under a second entity in five minutes, in the same login.
Align Chiropractic Group
$184,620.30
$62,480.15
$54,310.40
$67,829.75
Pay vendors by free ACH, send patient refunds as mailed checks from the dashboard, charge patient cards on file, and issue debit cards with per-card limits.
Bill pay
Mailed check, no post office
Up to 1.75% APY on every balance, FDIC coverage of $100M+ per entity through the sweep network, and Lemma Capital advances on claims you have already submitted.
Operating account
$212,480.00
Up to 1.75% APY
Three places a chiropractic office's cash flow usually catches, each one quiet enough that it looks fine until it doesn't.
Prepaid care plans collect cash upfront for visits that haven't happened yet, and that balance can sit idle in checking for months.
Lemma sweeps the balance into an interest-bearing reserve once it crosses a threshold you set.
Sweep rule
Prepaid care plans •• 2210 → Reserve •• 9042 when balance exceeds $8,000
$11,420.00
$42,680.00
PI and letter of protection cases can take months to settle, and the mailed check that finally arrives means digging through old charts to match it back.
Lemma's lockbox digitizes the check the day it lands and matches it to the case it settles.
Settlement received
Retail and supplement sales ring through the same card reader and daily deposit as care plan revenue, blending together in the bank feed.
Lemma tags retail and supplement sales apart from care revenue the moment the deposit lands.
Incoming deposit
Deposits match against claims from your PM and clearinghouse. Custom integrations available. See all integrations.
5 min
to open
Up to 1.75%
APY
$100M+
FDIC
94%
auto-match
Business Banking
An account per entity, opened in five minutes.
MSO-PC Banking
Purpose built for multi-entity practice structures.
Lockbox
A separate lockbox address for every PC.
Remittance Reconciliation
Deposits matched to remittance automatically.
Lemma Capital
Working capital sized to your revenue.
Corporate Cards
Free virtual and physical debit cards with custom limits.
Integration
Connect your clearinghouse, EHR, and books.
Revenue Routing
Split shared deposits across every PC, daily.
Free for a single entity. Groups pay $50 per entity per month. ACH is free, wires are $15, lockbox envelopes are $2.50.
Deposits are spread across our partner bank network, extending coverage to $100M+ per entity.
No. Lemma is the bank. We read from those systems and send the matched data back.
Yes. Lemma reconciles cash-pay, card, and insurance revenue into one ledger and tags prepaid plans apart from recognized revenue.
Attorney and carrier checks go to your lockbox, where they're digitized and matched to the original case the same day.
About five minutes. A single entity is free, and you can add a second office under a second entity without opening a new bank relationship.
