Banking for Urgent
Care Centers
Banking for Urgent Care Centers
Banking for Urgent Care Centers
High patient volume. Multiple payers. Fast cash cycles. Your bank should keep up.
High patient volume. Multiple payers. Fast cash cycles.
Your bank should keep up.
Book a demo
Urgent Care Has Unique Banking Needs
Urgent care clinics operate differently from traditional medical practices — high daily patient volume, a mix of insured and self-pay patients, multiple insurance payers, and often multiple locations. This creates a complex payment environment: dozens of ACH deposits from different payers landing on different schedules, check-based EOBs that require lockbox processing, copay collections, and the need to manage cash across locations. Most business banks weren't built for this.
Urgent Care Has Unique Banking Needs
Urgent Care Has Unique Banking Needs
What Urgent Care Clinics Get With Lemma
Everything your clinic needs, none of what you don't.
Everything your practice needs,
none of what you don't.
Free ACH - Unlimited
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.
$15 Flat Wire Transfers
For equipment purchases, lease deposits, or vendor payments — flat $15 wires with no percentage-based fees.
1.75% APY on All Balances
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 at $2 Per Check
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.
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.
Built for Multi-Location Urgent Care Groups
If you operate more than one urgent care location, Lemma's virtual account let you manage finances per location under a single banking relationship. Each location gets its own account number for payment routing, while you maintain a consolidated view across the group. No need to open accounts at multiple banks or manage multiple banking logins.
Built for Multi-Location Urgent Care Groups
Built for Multi-Location Urgent Care Groups
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
Do I need a separate business bank account for my dental practice?
Can urgent care clinics with multiple locations use Lemma?
Can urgent care clinics with multiple locations use Lemma?
How does Lemma handle high volumes of insurance payments for PT clinics?
Is there a minimum balance requirement?
How does Lemma handle high volumes of insurance payments for PT clinics?
Is there a minimum balance requirement?
Can urgent care clinics with multiple locations use Lemma?
Does Lemma support ACH from all major insurance payers?
Is there a minimum balance requirement?
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, 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.