Open your Relay account and connect it with the tools you already use—accounting, payments, and operations—all in one place.
No extra fees, no headaches.
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.
Speed up, simplify and take the pain out of reconciliation.
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Relay’s direct sync with QuickBooks Online and Xero doesn’t break and it doesn’t skip or duplicate transactions. You will see the most up-to-date and accurate banking data every time you log into QuickBooks Online or Xero.
Relay syncs comprehensive data into QuickBooks Online and Xero—including:
Relay’s direct QuickBooks Online and Xero integrations with detailed transaction data make it easy to make sure your books are detailed, accurate and reconciled at the end of every month—saving you time (and a lot of stress) when tax season rolls around.
We know that bad banking data makes bookkeeping a headache, so we automatically sync ultra-detailed, easy-to-understand transaction data into QuickBooks Online and Xero for pain-free bookkeeping.
Send comprehensive data for all transactions—and monthly statements—to Quickbooks Online without lifting a finger.
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See all of your in- and out-going transactions in Xero every time your login for simple, speedy and meticulous bookkeeping.
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Relay’s Gusto integration meaningfully connects banking and HR platforms to help you stay on top of your payroll.
To help you—and your team members—steer clear of the grief of a missed payroll, you will be alerted two weeks before a scheduled payroll if insufficient funds will cause the transaction to fail.
Stop wasting time trying to decode payroll payments. Relay’s transaction data specifies payroll cycle and debit type (like net salary, tax deduction, reimbursement payments). And you’ll also see the recipient and payment method for all contractor payments.
Import your team members from Gusto into Relay for super-speedy bank account provisioning. Assign each imported team member role-based user permissions so they can securely help out with day-to-day money management (like paying the bills) and get access to debit cards.
Your cards are covered by the Visa® Zero Liability Protection Policy.
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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.
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Use savings accounts to separate and continually contribute to reserves for taxes, investments and unexpected emergencies. Savings accounts earn up to 3.03% 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.
Can't find what you're looking for? Get in touch with us today.
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.
1 The interest rates and annual percentage yield on your account are accurate as of 04/29/2025 and are variable and subject to change based on the target range of the Federal Funds rate.
For customers with accounts opened on or after 4/29/25 or existing customers that have been migrated to Relay’s subscription plans, APY will vary between 1.03% and 3.03% depending on the subscription plan you are subscribed to:
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 on the sweep program. Pass-through insurance coverage is subject to conditions.
*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.
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.