The official banking platform for Profit First

No hidden fees | FDIC Insurance up to $3M available for funds on deposit via Thread Bank, Member FDIC^2,3

“The day someone opens a Relay account and sets up Profit First is the day they become immediately profitable.”

Mike Michalowicz,

Creator & Author of
Profit First

Relay is a financial technology company and is not a bank. Banking services provided by Thread Bank², Member FDIC. 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 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 everywhere Visa cards are accepted. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions.

Profit First + Relay
= Total cash flow clarity

Together, Profit First and Relay ensure that every dollar is allocated according to plan—be it paying down debt, reinvesting in your business, or taking a profit.

Collage of Relay on browser, phone, and a Relay Visa debit card

Instantly open up to 20 accounts with no hidden fees or minimums
Name your accounts (Income, Profit, Owner’s Pay, Tax, OpEx)
Set up auto-transfer rules to put allocations on auto-pilot

Manage cash with ease

3 Steps to set up
Profit First in Relay

Open multiple (real) checking accounts

Open up to 20 accounts and give each a nickname like Income, Profit, Owner’s Pay, Taxes and Operating Expenses. Plus, create up to 2 savings accounts to earn up to 3.03% APY¹ on idle cash, like your Tax and Profit savings.

Separate Relay accounts for Income, Profit, Owner's Pay, Taxes, and Operating Expenses

Automate your Profit First allocations

Create an auto-transfer rule to automatically allocate money from Income to other accounts. Customize your percentages and frequency, then let Relay take care of the rest.

Illustration showing allocating 15% of income to a Profit account, and 20% of income to a Taxes account twice a month

Get help from a Profit First Professional directly in Relay

Give your Profit First Professional a secure, role-based login to your Relay account to review expenses, strategize, and keep you accountable.

Four users in Relay with different permission levels, including read-only, bill payer, administrator, and manager

Be permanently profitable

Work with a certified Profit First Professional

Relay has partnered with Profit First Professionals—a network of accountants, bookkeepers and business coaches—that help you achieve and maintain profitability.

Find a Profit First Professional

Cyndi Thomason

President,

bookskeep

Jason Snider

Founder,

Aspyr Advisors

Brian Thompson

Founder,

Brian Thompson Financial

Open an
account

Apply online in minutes, open your free checking accounts in seconds, and get daily cash flow clarity.

Get started

Banking for
your clients

Relay makes it easy for accountants and bookkeepers to collaborate on Profit First banking with their clients.

Learn more

Kind words from our customers

What Profit First businesses say about Relay

From quick setup to automatic percentage calculation and transfers, Profit First businesses love banking with Relay.

Relay is THE BEST for running Profit First

Steven Allen

Quality Homes Reimagined, LLC

"Relay is hands down THE BEST to use if you follow the Profit First method. New accounts are really easy to set up, allocations take mere seconds to deploy to your various accounts, and you can easily see where your business stands at a glance. They have awesome customer support and truly care about their customers."

Steven Allen

Quality Homes Reimagined, LLC

Good for Profit First!

Jon Meadows

Creative Transitions and High-End

"It's very smooth, easy to use. I am doing Profit First, and it makes it extremely easy to set up multiple accounts. If you do a transfer and set up multiple transfers at once, you can even choose to split up your transfers by percentage!"

Jon Meadows

Creative Transitions and High-End

Relay is phenomenal

Lydia Paasch

MLP Accounting and Consulting, LLC

"As a Profit First Professional, I have a lot of clients that ask me for help when setting up their Profit First accounts. Relay is phenomenal. Not only is it easy to set up and use, the ability to make one transfer to multiple accounts and divide it up by percentages is life-changing. The transaction detail, virtual cards, and accountant access are simply icing on the cake! I highly recommend setting up your account(s) ASAP."

Lydia Paasch

MLP Accounting and Consulting, LLC

Resources for your business