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Banking built for your real estate business

If you’re in the short- or long-term rental business, Relay’s online banking and money management platform will help you get crystal clear on what you’re earning, spending and saving.

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

One of my favorite features about Relay is the ability to transfer to multiple accounts at the same time. I go into Relay, I plug in the percentages of how much I wanted to transfer and it can automatically do that every single month. So it's been a big time saver for us.

Tony Robinson
The Real Estate Robinsons

Why bank with Relay

Take control
of your money

Relay’s powerful money management platform makes it easy to
stay on top of every single dollar.

  • Keep funds separate

    Use up to 20 checking accounts to earmark income for day-to-day expenses (like cleaning and repairs), salaries and taxes. Automate the transfer of income from one to multiple accounts at once using dollar amounts or percentages.

  • 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.

  • Avoid banking fees

    Relay’s business banking and money management platform is free. Your cash won’t be tied up in hidden fees, minimum balance requirements or overdraft fees. Plus, ATM withdrawals are free at any Allpoint ATM.

  • Collaborate with ease

    Manage banking together with business partners and staff—no matter where they are—without ever visiting a branch. Plus, provide secure, read-only access to your accountant or bookkeeper whenever needed.

Kind words from our
community

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

Accountants & Bookkeepers

Resources

Company

Legal

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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