Join 35,000+ small business owners who use Relay’s online banking and money management platform to manage their money.

No fees, no minimums, no commitment. 

Sign up in less than 10 minutes.

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Relay is a financial technology company and not a bank. Relay banking services are provided by Evolve Bank & Trust, Member FDIC.

FDIC insured up to $250k
Trusted by over 12,000 business owners

Relay Financial Technologies, Inc. © 2022


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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.


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.


Beyond the Business Banking Basics

No account fees, overdraft fees or minimum balances

Up to 20 individual checking accounts

50 virtual or physical Mastercard® debit cards

Direct integrations with QuickBooks Online and Xero

Deposits from payment processors like PayPal, Stripe, Square and more

Payments and deposits via ACH, wire and check

Relay makes it easy to understand precisely what you’re earning, spending and saving so you can make the smartest decisions for your business.




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.



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

Relay logins are protected by two-factor authentication and biometric security. Feel safe knowing that you’re FDIC insured up to $250,000 per business and covered by the Mastercard® Zero Liability Protection Policy.

FDIC insured up to $250k

Mastercard® Zero Liability Protection Policy

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

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Trusted by 12,000+ business owners

Join the over 12,000+ business owners who trust Relay with their banking. 

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.

Sign up in under 10 minutes.

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“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