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 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 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 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.