For the core banking needs of a medical practice, Lemma is built around the specifics of healthcare revenue cycles. Free ACH transfers mean every insurance reimbursement — from Medicare, Medicaid, commercial insurers, workers comp, auto insurance — arrives without a per-transaction charge. Flat $15 wires reduce the cost of every vendor payment. And 1.75% APY on your operating balance earns meaningful yield on the cash between billing cycles without any active management.

Lemma's lockbox at $2 per check handles paper check remittances automatically, including EOB capture — something Bank of America's enterprise-oriented lockbox doesn't offer at a practice-accessible price. ERA/EOB sync helps practices match remittances to claims without manual work.

For multi-location practices and MSO/PC structures, Lemma's virtual accounts provide per-entity account numbers for insurance EFT enrollment and payer routing — all under a single banking relationship. This eliminates the need to maintain accounts at multiple banks or institutions to satisfy the requirements of different practice entities.