Running your business from one checking account can be overwhelming. With Relay, you can easily organize your money and see your cash flow clear as day.
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 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 credit cards are accepted.
FDIC insurance is available for funds on deposit through Thread Bank.2
Your cards are also covered by the Visa® Zero Liability Protection Policy.
All your income in one place, including payments via ACH transfers, wires, checks, plus payouts from PayPal, Stripe, Square and more.
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Create up to 20 checking accounts to organize and allocate income for things like day-to-day expenses and payroll. Then set up automated transfers using dollar amounts or percentages.
Use savings accounts to separate and continually contribute to reserves for taxes, investments and unexpected emergencies. Savings accounts earn up to 3.76% APY1, and you can open up to 2 savings accounts per business.
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No more overspending or overextending. A crystal-clear picture of your cash flow helps you make more intelligent, informed decisions about your money.
Relay is an online business banking and money management platform designed to help small businesses take control of their cash flow.
Yes! Once your account is approved, you can create up to 20 accounts online with just a few clicks of your mouse. Set up accounts to earmark income for day-to-day operating expenses, payroll, taxes and more. You can automate the transfer of income into each checking account using dollar amounts or percentages.
Physical or virtual cards can also be created online by you. Assign cards to the business or a specific team member. Physical cards can be shipped to any US address, arriving in 8-10 business days. Virtual cards can be used as instantly as they are created. You can set daily and monthly spending limits for each card, as well.
Yes! Relay is the official banking platform for Profit First Professionals and is built to keep you on track with the Profit First method.
That’s because each business gets:
To quote Mike Michalowicz, Creator of Profit First: “Relay is the only banking platform that I know of that supports Profit First right out of the box. It is so easy to set up. I would go to Relay immediately.”
With physical Relay debit cards, you can use any ATM in the world to withdraw cash without getting charged by Relay. However, the owners of those ATMs will likely charge a fee unless you are using an Allpoint ATM. Allpoint ATMs are surcharge-free.
Relay Visa® Credit Cards cannot be used to withdraw cash.
You can add cash at any Allpoint+ ATM for free, or at 90K+ Green Dot Network participating retailers for a fee up to $4.95 USD. Limits apply. Keep your receipt as proof of your transaction.
Relay offers 2 savings accounts per business. Savings accounts earn up to 3.76% APY1depending on how much you keep in each account:
Checks can be deposited in your account using the Relay mobile app (available on iPhone and Android).
You can write checks from our web and mobile applications, and we’ll send them to the recipient on your behalf. You can also print third-party check books with your Relay account and routing number. To access third-party check writing you must fund your Relay account with a minimum of $100.
We recommend using digital payment like ACH or wire if possible. They’re cheaper, faster and better for the environment!
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® 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 credit cards are accepted.
*Terms and conditions apply to the cash back rewards program. Cash back will be credited to your Relay checking account at the end of your 30-day 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.
1 The interest rates and annual percentage yield on your account are accurate as of 01/01/2025 and are variable and subject to change based on the target range of the Federal Funds rate.
For customers with accounts opened before 01/01/25, APY will vary between 1.03%-3.03% depending on the savings balances held:
For customers with accounts opened on or after 01/01/25, APY will vary between 1.75%-3.76% depending on monthly average account balance:
2 Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank 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 regarding the sweep program.
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.