Business Checking Built for Business Owners 

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.

Let's bank
  • FDIC insured up to $3M via Thread Bank2,3
  • Visa® Zero Liability Protection3
The Relay app on mobile and desktop beside a green Relay debit card.
  • 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 Visa® debit cards

    Issue physical and virtual cards—with spending limits—to your team.

Make Money Move
Your Way

Three deposit transactions from check, wire transfer, and ACH transfer.

Consolidate your cash

Deposit ACH transfers, wires, checks, cash and payouts from payment processors like PayPal, Stripe, Square and more.

Three auto-transfer transactions to Operating Expenses, Payroll, and Travel checking accounts.

Divide & conquer

Automate transfers from one to multiple accounts using dollar amounts or percentages.

List of payment methods in Relay including ACH Same Day, Domestic Wire, International Wire, and Check.

Simplify payments

Send ACH transfers, wires and checks. Put recurring payments on auto-pilot, and seamlessly collect payment details from vendors.

banking data


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. Plus, capture and store receipts in Relay to make month-end bookkeeping a breeze.

Two transactions in Relay with data showing vendor and transaction payment type.


Keep track of the ins and outs

See comprehensive data for in- and outgoing payments, including images of deposited checks and their memos. Plus, you can easily identify which team member sent each payment.

Detailed transaction showing check deposit, status, vendor, and a photo of the check.


Speedier bookkeeping

Sync detailed data directly to QuickBooks Online or Xero to quickly and meticulously code and reconcile all of your transactions.

Multiple transacations syncing to QuickBooks Online and Xero.

Integrate your
existing tools

  • 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.

  • xero
  • plaid
  • yodlee
  • gusto
  • expensify
  • venmo
  • quickbooks

Work together with
secure collaboration

Multiple users on one account with varying permissions, including Administrator, Bill Payer, Read-only, and Super Administrator.

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.

List of permission levels for inviting new team members to a Relay account. Options include Cardholder, Read-only, and Deposit-only.

Team members

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 help
every step of the way

24/7 Support

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.

Get in touch

Your money — protected

Relay logins are protected by two-factor authentication and biometric security. Feel safe knowing that FDIC insurance is provided through Thread Bank.2,3 Your cards are also covered by the Visa® Zero Liability Protection3 Policy.

  • FDIC insured up to $3M via Thread Bank2,3

  • Visa® Zero Liability Protection3 Policy

  • Two-factor authentication and biometric security

Kind words from our

The future of banking.

"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?' ;)"

Is it time to take control
of your cash?

Let’s bank