FDIC insured up to $3M via Thread Bank2,3
Visa® Zero Liability Protection3
Two-factor authentication and biometric security
Relay Financial Technologies, Inc. © 2024
*Relay is a financial technology company, not an FDIC-insured 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
OWNING A BUSINESS IS HARD.
CHOOSING THE RIGHT BANK HAS NEVER BEEN EASIER.
EARN $200 BY OPENING YOUR RELAY ACCOUNT4
Running your business from one checking account can be overwhelming. With Relay, you can easily organize your money and see your cash flow clear as day.
Brooke shares how she got on top of her cash flow with help from Relay and her bookkeeper.
Managing business debt is tough — but Matthew is tackling it head on with dedicated Relay expense cards.
After years of flying by the seat of her pants, Tori now loves accounting thanks to Relay's intuitive platform.
Make bookkeeping a breeze.
Get crystal clear on your cash flow.
Organize your money, your way.
OWNING A BUSINESS IS HARD.
CHOOSING THE RIGHT BANK HAS NEVER BEEN EASIER.
Brooke shares how she got on top of her cash flow with help from Relay and her bookkeeper.
Managing business debt is tough — but Matthew is tackling it head on with dedicated Relay expense cards.
After years of flying by the seat of her pants, Tori now loves accounting thanks to Relay's intuitive platform.
As featured in:
MODERN TOOLS, UNMATCHED MOBILE BANKING
Save hours on bookkeeping each week, and do it all wherever, whenever.
Seamless integration with accounting and payroll tools
Automate transfers from one to multiple accounts using dollar amounts or percentages
Add up to 20 business checking accounts to organize your cash
MANAGE CARDS AND TEAM SPEND ANYWHERE
Relay is the all-in-one financial command center for your business.
Instantly track team expenses with customizable card limits and controls
Manage employee cards, giving them the freedom to spend within set limits
Get detailed expense reports that integrate with your accounting tools
EVERYTHING BUSINESS BANKING SHOULD BE, AND MORE.
Relay’s business checking features will keep you and your team on the money all of the time. Don’t worry about fees, paperwork or branch visits.
FDIC insured up to $3 Million via Thread Bank2,3
No monthly fees or minimum balances. Unlimited transactions and free ACH
Earn up to 3% APY on business savings
Don’t worry about fees, paperwork or branch visits.
Integrate your existing tools
THIS IS HOW REAL BUSINESS OWNERS USE RELAY
Cash flow issues hit when you least expect them.
"I brought on new team members too quickly. Eventually, it stifled our growth and led to bad business decisions that hurt our cash flow.
Today, we’re back on track. With Relay, we can sort our income and expenses across our different accounts in real-time, so we always know how much money is coming in and out of the business. It's really helped us to build up our cash buffer, and get ahead of any future cash curveballs."
Some of our biggest costs are the materials we use on our jobs.
"Before joining Relay, we banked out of one single account, which made it impossible to know how much money was set aside for goods, versus payroll, versus other operating costs.
Today, Relay lets us organize our different expense categories into separate accounts, so we know exactly how much cash we have on hand to cover materials. That way, our estimates are always accurate and reliable for us and for our clients. It’s a win-win."
I rely on my clients to pay on time so I can keep the lights on.
"Before I started using Relay and Profit First, I would float the cost of delayed client payments out of pocket. I was anxious, losing sleep, and sometimes living from feast to famine when income was inconsistent.
With Relay, I pre-allocate my income across separate accounts, including a float account to cover me when invoice payments run late. More than anything, it gives me peace of mind."
YOUR MONEY — PROTECTED
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.
No monthly fees or minimum balances
Create up to 20 checking accounts
$3M FDIC insured via Thread Bank
SEE YOUR CASH FLOW CLEAR AS DAY
Relay is your free pass to financial clarity. See exactly what you’re earning, spending and saving so you can make the smartest decisions for your business.
SMALL BUSINESS BANKING DONE RIGHT
Don’t waste another day — or dollar — with traditional institutions that nickel, dime and underserve small businesses
RELAY
TRADITIONAL BUSINESS BANKING
No monthly account fees
No overdraft
No bounced check or failed transaction fees
Up to 20 checking accounts
Automated saving rules to help you grow faster
Profit First-friendly features
Ultra-detailed data to quickly decipher transactions
Quickbooks Online and Xero de-stress bookkeping
Role-based permissions for accountants and bookkeepers
Gusto integration to stay on top of payroll
Accounts payable features with Relay Pro upgrade
GOT QUESTIONS? WE'VE GOT ANSWERS
READY TO BE ON THE MONEY ALL THE TIME?
Organize income, expenses and reserves with 20 accounts, plus 2 savings accounts with 1.00%-3.00% APY
Issue 50 physical or virtual Visa® debit cards
Send and receive ACH transfers, wires and checks
Print third-party check books with your Relay account and routing number
Deposit and withdraw cash from any Allpoint ATM for free
Add cash at 90K+ Green Dot Network participating retailers for a small fee
Get the income overview
All your income in one place, including payments via ACH transfers, wires, checks, plus payouts from PayPal, Stripe, Square and more.
Create up to 20 checking accounts to organize and allocate income for things like day-to-day expenses and payroll. Then set up automated transfers using dollar amounts or percentages.
Master your money
Save for the future
Use 2 savings accounts to separate and continually contribute to reserves for taxes, investments and unexpected emergencies. Savings accounts earn 1.00%-3.00% APY
Be in complete control
No more overspending or overextending. A crystal-clear picture of your cash flow helps you make more intelligent, informed decisions about your money.
Make profit a habit
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.
What is Relay?
Relay is a no-fee, online business banking and money management platform designed to help small businesses take control of their cash flow.
Can I set up checking accounts and Relay Visa® debit cards on my own?
Yes! Once your account is approved, you can create up to 20 accounts online with just a few clicks of your mouse. Set up accounts to earmark income for day-to-day operating expenses, payroll, taxes and more. You can automate the transfer of income into each checking account using dollar amounts or percentages.
Physical or virtual cards can also be created online by you. Assign cards to the business or a specific team member. Physical cards can be shipped to any US or international address, arriving in 8-10 business days. Virtual cards can be used as instantly as they are created. You can set daily and monthly spending limits for each card, as well.
Does Relay support the Profit First method?
Yes! Relay is the official banking platform for Profit First Professionals and is built to keep you on track with the Profit First method.
That’s because each business gets:
- Up to 20 real checking accounts (not just envelopes) with no account fees or minimum balance requirements.
- The ability to give each checking account a unique nickname (i.e., Income, Profit, Owner’s Pay, Taxes, Operating Expenses)
- Percent-based transfers between checking accounts
- Auto-transfer rules that can automate your Profit First allocations on a daily, weekly, twice-monthly or monthly basis
- Secure collaboration features that make it easy to get coaching from a Certified Profit First Professional inside Relay
To quote Mike Michalowicz, Creator of Profit First: “Relay is the only banking platform that I know of that supports Profit First right out of the box. It is so easy to set up. I would go to Relay immediately.”
Where can I withdraw cash using my Relay Visa® debit card?
You can deposit and withdraw cash from any Allpoint ATM for free. There are over 55,000 Allpoint ATMs across the United States.
You can also use any ATM in the world without getting charged a fee by Relay. However, it’s likely that the owners of out-of-network ATMs will charge you a withdrawal fee.
Relay Visa® Credit Cards cannot be used to withdraw cash.
Where can I deposit cash using my Relay Visa® debit card?
You can add cash at any Allpoint+ ATM for free, or at 90K+ Green Dot Network participating retailers for a fee up to $4.95 USD. Limits apply. Keep your receipt as proof of your transaction.
Does Relay offer savings accounts?
Relay offers 2 savings accounts per business. Savings accounts earn 1.00%-3.00% APY1depending on how much you keep in each reserve account:
- 1.00% APY for balances under $50k
- 1.50% APY for balances between $50k and $250k
- 2.00% APY for balances between $250k and $500k
- 3.00% APY for balances over $1M
Can I use Relay to send and deposit checks?
Checks can be deposited in your account using the Relay mobile app (available on iPhone and Android).
You can write checks from our web and mobile applications, and we’ll send them to the recipient on your behalf. You can also print third-party check books with your Relay account and routing number. To access third-party check writing you must fund your Relay account with a minimum of $100.
We recommend using digital payment like ACH or wire if possible. They’re cheaper, faster and better for the environment!