No account fees
Bank without account fees or minimum balances that tie up your cash.
Up to 20 checking accounts
Easily separate and organize cash to keep it flowing.
50 Mastercard® debit cards
Issue physical and virtual cards—with spending limits—to your team.
Make Money Move
Consolidate your cash
Deposit ACH transfers, wires, checks and payouts from payment processors like PayPal, Stripe, Square and more.
Divide & conquer
Automate transfers from one to multiple checking accounts using dollar amounts or percentages.
Send ACH transfers, wires and checks. Put recurring payments on auto-pilot, and seamlessly collect payment details from vendors.
Easily decipher all spending
Get clean, standardized vendor data and auto-categorization for all card purchases so you don’t have to waste time decoding team member purchases.
Keep track of the ins and outs
See comprehensive data for in- and outgoing payments, including check images and memos. Plus, you can easily identify which team member sent each payment.
Sync detailed data directly to QuickBooks Online or Xero to quickly and meticulously code and reconcile all of your transactions.
Best-in-class accounting integrations
Bookkeeping is delightfully straightforward thanks to detailed banking data that directly and reliably syncs into QuickBooks Online and Xero.
Keep your payroll constantly rolling
Integrate Relay and Gusto for detailed payroll data, shortfall warnings and connected team member management.
Work smarter with Plaid and Yodlee
Use Plaid or Yodlee to securely link Relay to your other money apps like Wave, Freshbooks, Expensify and Venmo.
Work together withsecure collaboration
Accountants & Bookkeepers
Give your accountant or bookkeeper role-based logins so they help out with money management, safely. They can also directly access the data and documents they need to take care of your books.
Assign your employees the right level of access they need to assist you with everyday banking tasks like paying the bills. Plus, give team members cardholder roles so they can access debit cards and keep track of their spending.
Hands-on helpevery step of the way
You get access to knowledgeable support specialists dedicated to understanding what you need to achieve your goals. We’re happy to help, and we’re available by email, chat and phone.Get in touch
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
Kind words from ourcommunity
"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 leaving... I have a list of reasons, but I might just say 'have you not seen Relay?' ;)"