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Business banking built for agencies & consultants

Relay is an online banking and money management platform built to keep your business on the money. Apply for an account in minutes.

Bank with Relay
Why Relay

Built for Growing Businesses

Get unparalleled clarity into operating expenses, cash flow and every transaction.

  • Open up to 20 individual business checking accounts

  • Issue 50 virtual or physical Visa® debit cards to your team

  • Collect payments from PayPal, Stripe, Square and more

  • Payments via ACH transfers, check and wire

  • Schedule recurring payments to put expenses on autopilot

  • Get personalized customer support when you need it

As a digital marketing agency, it was important for me to separate client ad funds from other business transactions and Relay allows me to do that for free. Honestly, I can't recommend them enough. I've had a great experience!

Bobbie
source: Trustpilot

Why bank with Relay

Built for growing businesses

Get unparalleled clarity into operating expenses, cash flow and transactions.

  • Stick to your budget

    Relay helps you manage revenue and expenses with dedicated checking accounts for anything — income, profit, taxes, marketing or contractor payments. Stay on track by allocating cash to any account on a percentage or dollar basis.

  • Understand each transaction

    With Relay, it’s easy to stay on top of what’s happening in your business. Every transaction is accompanied by detailed data — like who made each purchase, the vendor’s website, address, phone number and industry category.

  • Get unlimited payments

    Get your payees to upload their own payment details so you can send them checks and next-day ACH transfers for free.

  • Speed up accounting

    Sync all incoming and outgoing transactions with QuickBooks Online, Xero, Wave, or Freshbooks. Get detailed data on each transaction and speed up your accounting by 5x.

What small businesses are
saying about Relay

Great Experience!

"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 HalschCEO at RoxBox Containers & Modifications

Ready to be on the money?

FDIC insured through Thread Bank2,3 | Visa® Zero Liability Protection3

Bank with Relay
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What is Relay

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Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank2, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. 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 used anywhere Visa debit 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 anywhere Visa credit cards are accepted.

1For Relay Subscription Plans with an interest-bearing deposit account, the interest rate and Annual Percentage Yield on your account are accurate as of 12/11/2025 and are variable and subject to change based on the target range of the Federal Funds rate. Fees may reduce earnings:

  • When you are subscribed to the Starter Plan, the interest rate on your savings accounts is 0.91% with an APY of 0.91%.
  • When you are subscribed to the Grow Plan, the interest rate on your savings accounts is 1.53% with an APY of 1.55%.
  • When you are subscribed to the Scale Plan, the interest rate on your savings accounts is 2.65% with an APY of 2.68%.

2 Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions on the sweep program. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

*Terms and conditions apply to the cash back rewards program. Monthly cash back rewards will be automatically deposited into your Relay checking account within 30 days of the end of the credit card billing cycle. ATM transactions, the purchase of money orders or cash equivalents made with your Relay Visa® Credit Card are not eligible for cash back. Please refer to the Visa® Signature Rewards Program Terms & Conditions for more details.

**Relay is not affiliated with SoFi, or OnDeck, and Relay’s privacy and security policies may differ from SoFi’s, and OnDeck's, privacy and security policies. Relay will be paid a fee from SoFi, and OnDeck if you obtain a product through either of these links. All rates, terms, and conditions vary by provider. Approval for a loan is not guaranteed.

International payment services are provided by Community Federal Savings Bank (“CFSB”), a federal savings bank chartered in the United States. These services are facilitated by Nium, Inc., which operates under a program sponsored by CFSB. Relay provides access to these payment services through its platform.

Payment services (non banking/checking accounts or services) are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: The Steward Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199).

Payment services in the United States are provided by Visa Global Services Inc. (VGSI), a licensed money transmitter (NMLS ID 181032) in the states listed here. VGSI is licensed as a money transmitter by the New York Department of Financial Services. Mailing address: 900 Metro Center Blvd, Mailstop 1Z, Foster City, CA 94404. VGSI is also a registered Money Services Business (“MSB”) with FinCEN and a registered Foreign MSB with FINTRAC. For live customer support contact VGSI at (888) 733-0041.

3 Please note that funds relating to Currencycloud's services are not FDIC insured or protected by the Visa Zero liability protection policy. In regards to Currencycloud's services when funds are posted to your account, e-money is issued in exchange for these funds, by an Electronic Money Institution who we work with, called Currencycloud. In line with regulatory requirements, Currencycloud safeguards your funds. This means that the money behind the balance you see in your account is held at a reputable bank, and most importantly, is protected for you in the event of Currencycloud’s, or our, insolvency. Currencycloud stops safeguarding your funds when the money has been paid out of your account to your beneficiary’s account.

All testimonials, reviews, opinions or case studies presented on our website may not be indicative of all customers. Results may vary and customers agree to proceed at their own risk.

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