Auxilio Partners is a full-service firm supporting 160+ churches and faith-based nonprofits across the U.S. Their mission is simple: take the administrative and financial burden off pastors so they can focus on ministry. But as the firm grew, outdated brick-and-mortar banks created real barriers—from shared credentials and insecure MFA, to limited third-party access that prevented Auxilio from serving clients efficiently.
Relay gave Auxilio a modern, cloud-first operating system for client banking platform, making it easier for their distributed team to support churches with speed, consistency, and security.
“Relay is built for the way organizations do business now—not the way banks have always done it.”
— Jim Tanious, Chief Operating Officer, Auxilio Partners
Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, 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.
Firm Outcomes
2–3 hours saved per week per team member who works inside Relay
Standardized workflows across 160+ clients
Stronger security + accountability through individual user permissions
Before Relay: Outdated banking, operational risk, and workflow friction
Auxilio’s origin story says everything about the stakes of their work. When the founder, Keith Moore, was asked by a pastor, “What happens if you get hit by a bus tomorrow?” he realized churches needed more than bookkeeping. They needed continuity, security, and a reliable back-office partner.
As the firm grew to 160+ clients, traditional banks became a major obstacle.
Personal identity tied to business banking
Most brick-and-mortar banks tied business accounts to the pastor’s personal Social Security Number, creating:
Risky permission structures
No clean way for Auxilio to access accounts
Visibility into the pastor’s personal finances by accident
“Someone’s personal finance is tied to their business finance, and that’s really bad practice,” says Jim Tanious, Auxilio’s Chief Operating Officer. “Banks just haven’t done a good job of resolving that issue.”
Shared credentials and insecure MFA
Banks required MFA via text message, usually to the pastor’s phone or to a staff member’s personal cell. This forced Auxilio into unsafe operational patterns:
Shared logins
Delayed approvals
Inability to audit who did what
High security risk for churches
Jim described it bluntly:
“When I log in to Relay, it’s Jim logging in. If I send a payment and something happens, they know it was me. When you share credentials, you don’t know who did it.”
No real third-party administrative access
Most banks offered only “sub-user” access which was too limited for Auxilio’s needs and impossible to standardize across 160 churches.
Onboarding friction for multi-campus ministries
Opening new accounts required branch visits, paperwork, and inconsistent processes. For churches with multiple locations, it was even more complicated.
Scaling wasn’t the problem. Auxilio had the demand. The challenge was scaling in a way that was secure, consistent, and sustainable with traditional banking.
The Solution: A secure, modern banking solution designed for distributed teams
Relay immediately solved the access, security, and infrastructure problems Auxilio had been living with for years while fitting directly into their standardized tech stack.
Secure user permissions that eliminate shared logins
Each Auxilio team member has their own credentials, while pastors retain owner-level control. This eliminates shared passwords and removes the security risks associated with SMS-based MFA.
This single change transformed accountability for a 20+ person distributed team. “If someone leaves suddenly, I can get them out of the account in two minutes,” says Jim.
A clean, consistent foundation for all 160+ clients
Relay is now Auxilio’s preferred operating account:
Easy to open new checking accounts1 for multi-campus churches
Smooth integrations with QuickBooks, Gusto, Bill.com, Ramp
Clients can still deposit weekly checks at their brick-and-mortar bank, then move funds into Relay for operations
This hybrid model lets churches modernize without losing local relationships that matter to them.
A system that supports Auxilio’s full-service mission
Auxilio handles:
Bookkeeping & accounting
Payroll & HR
Compliance
Donor relations
IT infrastructure & security
Relay reinforces that mission by removing friction, modernizing workflows, and creating the financial clarity pastors need to lead.
1Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, 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 Impact: Hours saved, stronger security, and true financial continuity for ministries
2–3 hours saved per week per Relay user
With fewer access issues, less troubleshooting, and smoother integrations across their tech stack, those weekly time savings compound quickly across Auxilio’s distributed team supporting 160+ clients.
Clear accountability and dramatically reduced operational risk
Relay made Auxilio’s banking workflows safer:
No shared credentials
No reliance on personal MFA
Complete visibility into who performed which actions
Fast offboarding when roles change
For churches, this means better protection of their financial “wing”, the organizational side that supports ministry.
A scalable foundation for growth to 500 clients
Auxilio’s goal is to reach 500 clients by 2030. Relay supports that trajectory by:
Standardizing onboarding
Reducing admin load
Eliminating brittle, insecure workflows
Supporting multi-location ministries with flexible account structures
A stronger partnership between business and ministry
“There are two wings to every church: the ministry side and the business side. If one wing is broken, the whole bird doesn’t fly,” says Jim.
Relay gives Auxilio the infrastructure to keep that business wing healthy so ministries can thrive.
Relay: Banking infrastructure that scales church operations
For Auxilio Partners, Relay isn’t just a banking tool. It’s the backbone that:
Protects churches from security vulnerabilities
Creates operational continuity
Gives pastors visibility without technical overwhelm
Supports Auxilio’s mission to lift the administrative load so churches can focus on what matters
Relay enables Auxilio to deliver the clarity, control, and consistency that strengthen ministries — today and as they scale.
1Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, 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.
