KEEPING YOUR BUSINESS ON THE MONEY
Relay’s online banking and money management platform puts you in complete control of your cash flow.
Sign up in less than 10 minutes.
Relay is a financial technology company and is not a bank. Banking services provided by Thread Bank2, Member FDIC. The Relay Visa Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be be used anywhere Visa cards are accepted. The Relay Visa Credit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc and may be used everywhere Visa credit cards are accepted.
Relay Financial Technologies, Inc. © 2025
READY TO BE ON THE MONEY?
Get the income overview
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.
SEE YOUR CASH FLOW
CLEAR AS DAY
Feel in complete control
A crystal-clear picture of your cash flow helps you make more intelligent, more informed decisions about your money—no more overspending or overextending.
Save for the future
You can also use checking accounts to set up, separate and continually contribute to cash reserves for taxes, investments in your growth and unexpected emergencies. Savings accounts earn up to 3.76% APY1, and you can open up to 2 savings account per business
BUSINESS OWNERS LOVE RELAY
Beyond the Business Banking Basics
No account fees, overdraft fees or minimum balances
Up to 20 individual checking accounts
2 savings accounts with up to 3.76% 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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Earmark the essentials
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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WHAT 'ON THE MONEY' FEELS LIKE
Bookkeeping doesn’t give you a headache
Relay directly syncs comprehensive data for in- and outgoing transactions to QuickBooks Online and Xero for simple, speedy and meticulous bookkeeping.
Tax season doesn’t keep you up at night
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.
You know where every dollar is going
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.
You can delegate money management
Role-based user permissions allow your accountant, bookkeeper and team members to help with bookkeeping, bill payments and other day-to-day banking tasks.
Your money — protected
FDIC insurance is available for funds on deposit through Thread Bank.2 Your cards are also covered by the Visa® Zero Liability Protection Policy.
FDIC Insurance up to $3M available for funds on deposit via Thread Bank, Member FDIC2
Visa® Zero Liability Protection
Two-factor authentication and biometric security
“Relay makes cash flow management so simple by allowing multiple accounts to easily be opened. It’s been a game changer for my business”
– Kelli
“The future of banking. It’s a first for me to feel excited about banking.
I also can’t wait to call my current bank to close my accounts and have them ask me why I am leave... I have a list of reasons, but I might just say ‘have you not seen Relay?’ ;)”
– Nick
“Relay has given me the flexibility and customer service I know my business deserves. Setup was a breeze, and banking has become FUN! I love the virtual card option, statements are easy to read, customer service is top-tier, and I have not sun into ONE SINGLE ISSUE for the past year. Trust me when I say, they’re the goat of business banking!”
– Jibby Bond
“Beautifully executed great service all around. Awesome, user-oriented approach. The profoundly knowledgeable and caring customer support breaths soul in to the historically bland banking industry.”
– Alex
“Relay has been the best online bank I have ever used. It has helped out businesses in many ways. To have multiple bank accounts in one place. Easy to use haven’t had any problems at all. Awesome customer service. Keep up the good work.”
– Tomikos
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