It's a cinch to switch

Swap out your current bank—for Relay—in three simple steps.

Relay is a financial technology company, not a bank. Banking services and FDIC insurance are provided through Thread Bank2,3; Member FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted.

Complete cash flow
clarity in 3, 2, 1

Open a new Relay account, online, in minutes. Then, use our switching guide to help you move every dollar, deposit and payment from your current bank.

Search bar in Relay for finding your existing bank.

Take a switching shortcut

Link Relay to your existing bank using our handy Finicity integration. From there—your money can be easily pulled into Relay with just a few clicks. No fuss, no muss.

Connect payment sources directly to Relay.

Connect Relay to your income source

Once you’ve linked Relay to your existing bank account, our switching guide will show you which income sources need to move to Relay. Connect payment processors—like Stripe, Square, PayPal and more—to start collecting income in Relay right away. Or, shoot off your new details to each customer so that their next payment hits your Relay account.

Highlighted recurring transactions in Relay.

Complete your switching checklist

We’ll create a checklist just for you. It will list all outgoing payments made from your current bank (like your payroll platform and software subscriptions). All you have to do is make sure each vendor gets updated with your new Relay account details—then cross them off your list!

Don’t waste another day—or dollar—
working with traditional institutions that nickel, dime and underserve small businesses.

Your money is your means to make it.
Relay is designed to give you unparalleled control of your cash.

RelayTraditional Business Banking

No monthly account fees


No overdraft fees


No bounced check or failed transaction fees


No minimum balance requirements


Up to 20 checking accounts to compartmentalize income and expenses


Automated savings rules to help you grow faster


Profit First-friendly features


Ultra-detailed data that makes deciphering transactions a breeze


Quickbooks Online and Xero de-stress bookkeeping


Role-based advisor permissions so an accountant or bookkeeper can safely access financial data and help keep money moving


A Gusto integration that unlocks shortfall warnings for payroll runs


Accounts payable features, including multi-step bill approvals, with Relay Pro


Up to 50 Visa® debit cards to keep spending organized


Debit cards—with spending limits—that can be assigned to team members


Safe collaboration with team members so you can delegate banking tasks


Affordable, fast wires, including built-in currency exchange for international payments


FDIC insurance that covers up to $3M2,3 in deposits


Friendly, knowledgeable Customer Support that's available when you need it


Want More Details?

Our switchers drop these banks for Relay. Read why in these in-depth guides.

Relay vs Traditional Banking

Relay versus traditional banking

Don't just take
our word for it

“My bank didn't understand Profit First. They didn't know why I would need six or seven different accounts and why I’d have an account if it's going to sit at zero balance until the next month's invoices get paid. But Relay understood that from the beginning.”

— Dan Novalis, owner of 2Novas

Get the full switching story2Novas: Bank Marketing that goes beyond
Dan Novalis

From customers
who made the switch

"I wish I knew about Relay since 2018 when I started my business. Wells Fargo would close my bank accounts because I was making a lot of money in a short period. Bank of America almost killed me with bank fees. And Chase always wanted me to come in for verification purposes. Switch today to save your time, money and energy."

Get started with Relay

Let's bank