Relay’s online banking and money management platform puts you in complete control of your cash flow.
Relay is a financial technology company, not a bank. Banking services and FDIC insurance are provided through Thread Bank2,3,Member FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted. Offer applies to users who do not yet have a Relay account. Offer requires that you deposit at least $5,000 into your Relay account and maintain that balance for 30 days, after which $150 will be deposited by us into your Relay account. For clarity, after the deposit of $5,000 into your Relay account to comply with this offer, Relay does not require a minimum balance in your Relay account.
Collect income in one place to see what you’re working with. Consolidate all of your payments—including ACH transfers, wires, checks and payouts from tools like PayPal, Stripe, Square and more.
As the official banking platform for Profit First Professionals, Relay keeps you on track with the Profit First method. Open accounts in seconds, set up auto-transfer rules and put allocations on autopilot.
Use savings accounts to separate and continually contribute to reserves for taxes, investments in your growth and unexpected emergencies. Savings accounts earn 1-3% APY1, and you can open up to 2 savings accounts per business.
No account fees, overdraft fees or minimum balances
Up to 20 individual checking accounts
2 savings accounts with 1-3% APY1
Direct integrations with QuickBooks Online and Xero
Payments via ACH transfer, wire and check
50 virtual or physical Visa® debit cards
Relay makes it easy to understand precisely what you’re earning, spending and saving so you can make the smartest decisions for your business.
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Use up to 20 checking accounts to organize and allocate income for things like day-to-day expenses and payroll. Automate the transfer of income into each account using dollar amounts or percentages.
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Relay directly syncs comprehensive data for in- and outgoing transactions to QuickBooks Online and Xero for simple, speedy and meticulous bookkeeping.
Picture it. All transactions are neatly reconciled at month-end. There’s no need to chase contractors for W-9 forms. And you’ve been saving throughout the year for your tax bill.
Take the grind out of expense tracking with ultra-detailed data. Relay cleans and standardizes vendor names, pre-categorizes card purchases and keeps a record of team spending.
Role-based user permissions allow your accountant, bookkeeper and team members to help with bookkeeping, bill payments and other day-to-day banking tasks.
Feel safe knowing that FDIC insurance is provided through Thread Bank.2,3 Your cards are also covered by the Visa® Zero Liability Protection3 Policy.
FDIC insured via Thread Bank2,3
Visa® Zero Liability Protection3
Two-factor authentication and biometric security
A crystal-clear picture of your cash flow helps you make more intelligent, more informed decisions about your money—no more overspending or overextending.
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"We have had a great experience with Relay and I plan to use this for my businesses moving forward. It makes it very easy to add accounts, cards, users, vendors, etc. I can separate our cash with certain projects or initiatives so that our budgets are already set. All around, very solid company that I look forward to working with in the coming years."
Anthony Halsch
CEO at RoxBox Containers & Modifications