Banking for
Chiropractic Practices
Banking for Chiropractic Practices
Banking for Chiropractic Practices
Stop paying fees on every insurance reimbursement. Start earning interest on your operating balance.
Book a demo
What Chiropractic Practices Pay Traditional Banks (And Shouldn't)
Chiropractic practices receive a high volume of relatively small insurance reimbursements from commercial payers, Medicare, auto insurance, and workers comp. When a bank charges $0.25–$0.50 per ACH transaction, a practice processing 200+ payments per month pays $50–$100/month just in ACH fees — before accounting for wire fees, lockbox costs, or lost interest income. These are fees that shouldn't exist.
What Chiropractic Practices Pay Traditional Banks (And Shouldn't)
What Chiropractic Practices Pay Traditional Banks (And Shouldn't)
What Chiropractic Practices Get With Lemma
Built for practices paid by volume.
Everything your practice needs,
none of what you don't.
Free ACH - Unlimited
$0 per transaction regardless of volume. Every reimbursement from commercial payers, Medicare, auto insurance, and workers comp arrives fee-free.
$15 Flat Wire Transfers
Equipment purchases and vendor payments at $15 flat — no percentage-based fees or surprise charges.
1.75% APY on All Balances
Earn meaningful interest on the cash sitting in your operating account between billing cycles. Paid on your entire balance.
Lockbox at $2 Per Check
Auto insurance and workers comp paper checks handled automatically — received, deposited, and remittance data captured at $2 per item.
The numbers add up
Whether you're a solo therapist running a private practice or a multi-clinician behavioral health group, Lemma scales with you. Solo practitioners get the same professional banking infrastructure as larger groups — without minimum balance requirements or complex fee structures.
ACH Fees
250 payments/month × $0.35 = $87.50/month
$1,050 per year
Lost interest income
$150,000 balance at 0.01% vs 1.75% APY
$2,624/year difference
Total unnecessary cost
$3,674+/year
Wire transder
$15 Flat Wire Transfers
$15 Flat Wire Transfers
Pay Vendors, labs, equipment and earn cashback up to 2.5%. Spend categorised in your account software
Free ACH
Free ACH - Unlimited
Free ACH - Unlimited
Every dollar earns from day one, across every account. Sweep network protection up to $10M - not the standard $250K
Urgent care clinics receive ACH payments from Medicare, Medicaid, and dozens of commercial payers daily. Lemma charges $0 per ACH transaction — no per-item fees eating into your reimbursements.
1.75% interest
1.75% APY on All Balances
1.75% APY on All Balances
Pay Vendors, labs, equipment and earn cashback up to 2.5%. Spend categorised in your account software
Urgent care clinics often carry significant cash between billing cycles. Lemma pays 1.75% APY on your entire balance — not just a portion of it.
Lockbox
Lockbox at $2 Per Check
Lockbox at $2 Per Check
Every dollar earns from day one, across every account. Sweep network protection up to $10M - not the standard $250K
Some payers still send paper EOB checks. Lemma's lockbox service receives, deposits, and captures remittance data automatically — at $2 per item, far below what traditional banks charge.
The numbers
add up
Whether you're a solo therapist running a private practice or a multi-clinician behavioral health group, Lemma scales with you. Solo practitioners get the same professional banking infrastructure as larger groups — without minimum balance requirements or complex fee structures.
ACH fees
250 payments/month × $0.35 = $87.50/month
$1,050/year
Lost interest income
$150,000 balance at 0.01% vs 1.75% APY
$2,624/year difference
Total unnecessary cost
$3,674+/year
How lemma compares to your current bank
How lemma compares to
your current bank
Feature
Traditional bank
Lemma
ACH Fees
$0.25–$0.50 per transaction
$0
Wire Fees
$25–$45 per wire
$15 flat
Lockbox
High per-item fees
$2 per check
Interest on Balance
0.01%–0.10% APY
1.75% APY
Multi-location support
Multiple accounts required
Virtual accounts
Built for healthcare
No
Yes
Feature
Traditional bank
Lemma
ACH Fees
$0.25–$0.50
per transaction
$0
Wire Fees
$25–$45
per wire
$15 flat
Lockbox
High per
item fees
$2 per check
Interest
on balance
0.01%–0.10%
APY
$2 per check
Multi-location support
Multiple accounts required
Virtual accounts
Build for
healthcare
Yes
No
How lemma compares to your current bank
How lemma compares to your current bank
Feature
Traditional bank
Lemma
ACH Fees
$0.25–$0.50 per transaction
$0
Wire Fees
$25–$45 per wire
$15 flat
Lockbox
High per item fees
$2 per check
Intereston balance
0.01%–0.10% APY
$2 per check
Multi-location support
Multiple accounts required
Virtual accounts
Build for healthcare
Yes
No
FAQ
Common questions
Common questions
Common questions
Does Lemma support auto insurance and workers comp ACH payments?
Does Lemma support auto insurance and workers comp ACH payments?
Does Lemma support auto insurance and workers comp ACH payments?
Is Lemma suitable for solo chiropractors?
Is Lemma suitable for solo chiropractors?
Is Lemma suitable for solo chiropractors?
Does Lemma support auto insurance and workers comp ACH payments?
Is Lemma suitable for solo chiropractors?
Ready to modernize your
practice banking?
Open in minutes, no branch visit required
Free ACH – Lockbox – Wire transfers – 1.75% APY
Book a demo
Ready to modernize your
practice banking?
Open in minutes, no branch visit required
Free ACH – Lockbox – Wire transfers – 1.75% APY
Book a demo
Ready to modernize your practice banking?
Open in minutes, no branch visit required
Book a demo
Free ACH – Lockbox – Wire transfers – 1.75% APY
LEMMA.
Healthcare-native banking infrastructure for medical practices.
Lemma Technologies Inc.
STE 1735
535 Mission St, 14th Floor
San Francisco, CA 94105
SPECIALTIES
Lemma banking services are provided in partnership with Core Bank, Member FDIC. Deposits are FDIC insured up to $250,000 per depositor.
Lemma Technologies, Inc. is not a bank. Banking services are provided by Core Bank.
© 2026 Lemma Technologies, Inc. All rights reserved.
Banking services provided by partner banks, FDIC insured.
LEMMA.
Healthcare-native
banking infrastructure
for medical practices.
Lemma Technologies Inc.
STE 1735
535 Mission St, 14th Floor
San Francisco, CA 94105
SPECIALTIES
Lemma banking services are provided in partnership with Core Bank, MemberFDIC.
Deposits are FDIC insured up to $250,000 per depositor.
Lemma Technologies, Inc. is not a bank. Banking services are provided by Core Bank.
© 2026 Lemma Technologies, Inc. All rights reserved.
Banking services provided by partner banks, FDIC insured.
LEMMA.
Healthcare-native banking infrastructure for medical practices.
Lemma Technologies Inc.
STE 1735
535 Mission St, 14th Floor
San Francisco, CA 94105
SPECIALTIES
Lemma banking services are provided in partnership with Core Bank, Member FDIC. Deposits are FDIC insured up to $250,000 per depositor.
Lemma Technologies, Inc. is not a bank. Banking services are provided by Core Bank.
© 2026 Lemma Technologies, Inc. All rights reserved.
Banking services provided by partner banks, FDIC insured.