Smarter Tools for Self-Made Success

Whether you’re running an LLC, contracting, or scaling your service business, Relay gives you the tools to manage money with confidence. From cash flow visibility to savings organization and streamlined payments, speak with a Relay expert to find the setup that fits your business best.

Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, 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.

Online money management

Stay on top of your money anytime, anywhere.

Built-in bookkeeping

Tax time just got easier with everything in one place.

No hidden fees

No minimum balance required, no opening, overdraft, or maintenance fees.

Bank with confidence

Protect your assets with data encryption, secure infrastructure, and two-factor authentication.

Transfers & deposits
Move your money with ease
Easy deposits
Deposit checks and cash, send and receive invoices, and accept ACH transfers, wire payments, or direct deposits.
Easy payments
Easily connect with payment apps like these, and others.
Up to 50 physical or virtual cards
Simplify purchases with physical and virtual debit cards. Create and share instantly to allow others to spend, with easy tracking, spending limits, and card locking for control.
ORGANIZE YOUR MONEY YOUR WAY
Budget & save with automations
Open up to 20 checking accounts
Earmark funds quickly with separate accounts, making it easy to set aside money for payroll, supplies, emergencies, or anything else you need.
Allocate to each account
Move money between accounts any time, or automatically allocate a percent of every deposit to a specific account.
Earn up to 2.86% APY1 on savings
Set savings goals and track your progress, whether you're preparing for insurance premiums or a rainy day.
Relay is a financial technology company and not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. 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. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

JOIN thousands
of BUSINESS OWNERS

The most resilient business owners don’t go it alone—they go with Relay
Webinar Review

"The webinar that Valentina and Veronica held was informational and well timed. I'm glad I took the time to attend. Can't wait to see all the new innovations Relay comes out with."

Emmanuel Gomez
Simply trustable, good services! Bravo Relay!

"Everything is well organized. Everything you need is on the screen. Clear, accessible and creates a pleasant experience, you feel safe and what you want happens."

Valeriu B.
Excellent Platform

"This is an excellent platform design to help save time and stay organized. Helping new business owners like me maximize efficiency by keeping my focus where it matters most."

Highline Wireless
Relay Financial x Spin Cycle Studio

"As the CEO of Spin Cycle Studio in Hawaii, I’m excited to share our outstanding experience with Relay…we couldn’t be happier with its innovative features and seamless functionality."

Regner Struan
No Penny Pinching

"We're a tattoo studio, and money can be unpredictable in our industry. We hit slow periods, especially in the wintertime. Relay has helped me get control of my finances without penny pinching every little thing. I love this platform!"

Jelly’s Surly Skull, LLC
I read and listened to Profit First and…

"I read and listened to Profit First and began implementing the system in February 2025. I love the multiple accounts, simplicity, Chat, and automatic transfer functions. Relay and Profit First are gamechangers for us at Ways 2 Wellness."

Michael Herrington
Helpful & Friendly Support

"I had an issue with Relay, but their support team was fantastic! They responded quickly, thoroughly investigated the problem, and were able to resolve it efficiently."

Andreas J.
New to Relay

"I’ve been using Relay for a little over a month and really enjoy it. You can’t beat the multiple accounts and virtual and physical debit cards. It’s great for the profit first accounting structure. I also love the receipt tracking."

LUNE Investing, LLC
Best Experience for Small Business

"My accountant suggested to go with Relay for my businesses accounts and I was skeptical after working for over 20 years in global banks but I don’t regret it! It easy to move money, assign virtual cards to employees, keep track of expenses and upload receipts and keeps getting better and better. "

Matias Medrano
Game-Changer for Small Businesses

"Beyond this excellent feature and their user-friendly fund transfers, their customer service is truly outstanding. They are incredibly responsive, dedicated to resolving issues, and even proactively follow up to ensure my needs are met."

Stephanie B.
Webinar Review

"The webinar that Valentina and Veronica held was informational and well timed. I'm glad I took the time to attend. Can't wait to see all the new innovations Relay comes out with."

- Emmanuel Gomez
Excellent Platform

"This is an excellent platform design to help save time and stay organized. Helping new business owners like me maximize efficiency by keeping my focus where it matters most."

- Highline Wireless
Relay Financial x Spin Cycle Studio

"As the CEO of Spin Cycle Studio in Hawaii, I’m excited to share our outstanding experience with Relay…we couldn’t be happier with its innovative features and seamless functionality."

- Regner Struan
Simply trustable, good services! Bravo Relay!

"Everything is well organized. Everything you need is on the screen. Clear, accessible and creates a pleasant experience, you feel safe and what you want happens."

- Valeriu B.
No Penny Pinching

"We're a tattoo studio, and money can be unpredictable in our industry. We hit slow periods, especially in the wintertime. Relay has helped me get control of my finances without penny pinching every little thing. I love this platform!"

- Jelly’s Surly Skull, LLC
I read and listened to Profit First and…

"I read and listened to Profit First and began implementing the system in February 2025. I love the multiple accounts, simplicity, Chat, and automatic transfer functions. Relay and Profit First are gamechangers for us at Ways 2 Wellness."

- Michael Herrington
Helpful & Friendly Support

"I had an issue with Relay, but their support team was fantastic! They responded quickly, thoroughly investigated the problem, and were able to resolve it efficiently."

- Andreas J.
New to Relay

"I’ve been using Relay for a little over a month and really enjoy it. You can’t beat the multiple accounts and virtual and physical debit cards. It’s great for the profit first accounting structure. I also love the receipt tracking."

- LUNE Investing, LLC
Best Experience for Small Business

"My accountant suggested to go with Relay for my businesses accounts and I was skeptical after working for over 20 years in global banks but I don’t regret it! It easy to move money, assign virtual cards to employees, keep track of expenses and upload receipts and keeps getting better and better. "

- Matias Medrano
Game-Changer for Small Businesses

"Beyond this excellent feature and their user-friendly fund transfers, their customer service is truly outstanding. They are incredibly responsive, dedicated to resolving issues, and even proactively follow up to ensure my needs are met."

- Stephanie B.

Your money—
protected, always

Your cards are covered by the Visa® Zero Liability Protection Policy

Data encryption & secure infrastructure

Two-factor authentication (2FA)

220K+ business owners trust Relay

Comprehensive fraud monitoring

SMALL BUSINESS
BANKING DONE RIGHT

Don’t waste another day—or dollar—with traditional institutions that nickel and dime small businesses like yours.
frequently asked
questions
Can't find what you're looking for?
Get in touch with us today.
What is Relay?
Can I set up checking accounts and Relay Visa® debit cards on my own?
Where can I withdraw cash using my Relay Visa® debit card?
Can I use Relay to send and deposit checks? 
Where can I deposit cash using my Relay Visa® debit card?
Does Relay support the Profit First method?
Does Relay offer savings accounts?
Can I invite my team and/or financial advisor to access my Relay account?
Are there any industries or business types that cannot bank with Relay?
Does Relay offer loans or a line of credit?
Does Relay provide monthly bank statements?
What devices and operating systems are Relay compatible with?
Are the deposits I send to Relay FDIC insured?