In this blog, we will discuss how the Lili Bank alternative, Zil US, helps a clothing boutique owner.
Clara is the owner of a clothing boutique in a small American town. One thing that concerns her the most is managing her store’s finances.
For years, Clara has been using traditional checking accounts. She thought it was the easiest way to handle payments and expenses. But over time, it became clear that her old-school checking account was holding her back.
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Hidden Fees That Eat Away Profits
Every month, Clara would open her checking account and feel that familiar frustration. Her account came with all kinds of fees—setup fees, monthly charges, and random hidden costs. These fees were eating into her profits and affecting the growth of her business. On top of that, her bank demanded a minimum balance and deposits.
Too Many Payment Hassles
Clara’s suppliers are distributed across the globe. Some prefer payments by virtual card; others require ACH payments and a few demand wire transfers. Her traditional account didn’t provide those choices. This made her switch between systems to cover each payment.
Another problem with traditional checking accounts was delays. Payments would freeze in processing, leading her to miss supplier deadlines. No inventory meant no sales, and Clara hated seeing disappointed customers walk away empty-handed.
Zil.US to the Rescue
Clara finally found her solution with Zil.US. Unlike her old checking account, the checking account offered by the software is completely free. No opening fees, no monthly charges, and no hidden costs.
Clara could focus on her boutique. She no longer has to worry about maintaining a minimum balance or keeping a minimum deposit.
With Zil.US, Clara could:
- Stop paying needless fees that were eating into her profits.
- Make payments easier with virtual cards, ACH transfers, and wire payments.
- Manage all her transactions from one place.
Now, Clara spends less time worrying about checking account fees and supplier needs and more time curating awesome outfits for her customers.
Payment Options That Make Life Easier
ACH Transfers
Clara uses ACH transfers to pay her local suppliers and cover monthly bills. It’s quick and stress-free.
Fast Payments: Suppliers get paid right away, so there are no inventory delays.
Budget-Friendly: ACH transfers are super low-cost, saving Clara a ton of money.
Recurring Payments: Clara can set up recurring payments, so she never forgets to pay a bill.
Making ACH transfers using the software is the best, as the cloud-based platform is an official member of NACHA. NACHA is the regulating body that controls and monitors the ACH network.
Wire Transfers
For her international suppliers, Clara relies on wire transfers. With Zil.US, sending money internationally is simple and reliable.
Pay Anywhere: Clara can send payments globally while sitting at home or office.
Secure Big Purchases: Wire transfers are great for large orders, as they offer high transaction limits.
For making international wire transfers, you need specific codes like SWIFT or IBAN, but for domestic wire transfers, only the routing number and account number are enough. International transfers are usually completed within a few days, on the other hand, domestic wire transfers are completed within a few hours.
Virtual Cards
The virtual card feature is Clara’s new favorite feature. She created cards for her manager and employees to handle day-to-day expenses like purchasing supplies or running ads.
Set Limits: Clara can control how much each cardholder can spend, so no one goes overboard.
Track Spending: Every purchase is logged in real-time, so Clara always knows where her money is going.
Stay Safe: Virtual cards keep her actual card details private and keep them safe.
Why Clara Loves Zil.US
Since switching to Zil.US, Clara has taken back control of her finances. She is no longer paying huge fees or stressing over late payments. Her suppliers are happy, her inventory is always on time, and her boutique is growing.
For Clara, Zil.US isn’t just a platform—it’s a partner that helps her concentrate on what she loves most.
If you’re tired of traditional checking accounts slowing you down, give Zil.US a shot. It worked for Clara, and it can work for you too!
Conclusion
The Lili bank alternative, Zil.US, offers checking accounts that are completely free. There are no fees for opening the account or maintaining the account. Moreover, businesses do not need to maintain minimum balances or put in a minimum deposit. For a small business owner, the software has additional features that are useful. The ability to use ACH, wire, and virtual card, enables them to make payments without difficulty. Not to mention, all these payment methods are simple and inexpensive as well. All combined, the software gives owners the tools to manage their money without interrupting their business.
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