Relay is a financial technology company, not an FDIC-insured bank. Banking services and FDIC insurance are provided by Evolve Bank & Trust and Thread Bank; Members 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.
FDIC insured up to $250k
Visa® Zero Liability Protection
Welcome to Relay
Keeping your business on the money
Relay’s online banking and money management platform puts you in complete control of your cash flow.
Relay is a financial technology company, not an FDIC-insured bank. Banking services and FDIC insurance are provided by Evolve Bank & Trust and Thread Bank; Members 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.
No account fees, overdraft fees or minimum balances
Up to 20 individual checking accounts
50 virtual or physical Visa® debit cards
Payments via ACH transfer, wire and check
Auto-transfer rules between checking accounts
Direct integrations with QuickBooks Online and Xero
See your cash flow clear as day
Relay makes it easy to understand precisely what you’re earning, spending and saving so you can make the smartest decisions for your business.
1
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.
2
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.
3
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.
4
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.
5
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 ‘on the money’ feels like
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.
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.
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.
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.
Your money — protected
Feel safe knowing that you’re FDIC insured up to $250,000 per business and covered by the Visa® Zero Liability Protection Policy
FDIC insured up to $250k
Visa® Zero Liability Protection
Two-factor authentication and biometric security
Kind words from our community
"Relay has been great for my growing business. Having the ability to separate funds into different accounts is a very valuable feature. Relay is easy to use and makes me feel secure in my business finances."
"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."
"I can finally say I LOVE my business banking! 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 run into ONE SINGLE ISSUE for the past year. Trust me when I say, they're the GOAT of business banking!"
"Relay has been great for my growing business. Having the ability to separate funds into different accounts is a very valuable feature. Relay is easy to use and makes me feel secure in my business finances."
"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."
"I can finally say I LOVE my business banking! 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 run into ONE SINGLE ISSUE for the past year. Trust me when I say, they're the GOAT of business banking!"
"Relay has been great for my growing business. Having the ability to separate funds into different accounts is a very valuable feature. Relay is easy to use and makes me feel secure in my business finances."