Dental practice banking

How dental practices get paid, and how Lemma handles each one

PPO EFTs and checks

Matched line by line, so every write-off and short pay shows up per claim.

Patient card payments

Settle into the same ledger as insurance EFTs, no separate processor.

Membership plan drafts

Drafted daily and tagged apart from fee-for-service revenue.

Lab, supply, and equipment payables

Paid by free ACH or flat-rate wire, from the same account.

Four things that change the day you move

Deposits arrive reconciled

PPO EFTs match line by line, so write-offs and short pays show up per claim. Mailed checks and EOBs reach your lockbox the same day.

Deposit

Delta Dental$4,120.00

TRN7714203

Claims9

StatusMatched

An account for every entity, one login

One account per PC, each with its own routing number and lockbox. Add a second location in five minutes.

Smile Group MSO

$612,300.40

Bright Smile Dental PC•• 4821

$184,220.10

Northside Dental PC•• 3390

$142,960.55

Lakeside Dental PC•• 5567

$96,480.25

Money out, without the checkbook

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

Lakeview Dental Lab$2,180.00

Crestline Dental Supply$1,340.00

Northgate Equipment Co.$860.00

Patient refund$128.40

Mailed check, no post office

Cash that earns while claims age

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

Accrued this month$306.52

Up to 1.75% APY

Where dental cash flow actually breaks

Three places a general dentist's cash flow usually catches, each one quiet enough that it looks fine until it doesn't.

PPO write-offs and short pays look normal until matched at the line level

A PPO EFT lands as one lump sum, with the write-off and the short pay inside it invisible until someone reads the EOB line by line.

Lemma digitizes every mailed EOB and matches the write-off to its claim the same day.

EOB received

Delta Dental$4,120.00

Membership plan drafts arrive daily and need to be reported apart from fee-for-service

In-house membership drafts hit the account daily, mixed in with insurance and patient card revenue, so reporting them apart usually means a spreadsheet.

Lemma tags every membership draft apart from fee-for-service revenue as it lands.

Incoming deposit

Daily deposit$5,860.00

Membership drafts$1,240.00

Fee-for-service$3,680.00

Patient card$940.00

Lab and supply bills plus equipment wires come out of the same cash that payroll does

Lab invoices, supply orders, and equipment wires all draw on the same operating account payroll funds from.

Set a threshold once, and Lemma sweeps payables cash into its own account automatically.

Sweep rule

Payables •• 7731 → Payroll reserve •• 4821 when balance exceeds $5,000

Payables•• 7731

$8,240.00

$3,240

Payroll reserve•• 4821

$61,900.00

Works with what you already run

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

The rest of the platform

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.