SEE WHAT YOU'RE EARNING, SPENDING & SAVING

Powerful business banking for small business owners.

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 2.68% 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.

See why over 165K business owners have chosen Relay

Alex
Banking with a Soul

"Beautifully executed great service all around. Awesome, user-oriented approach. The profoundly knowledgeable and caring customer support breathes soul into the historically bland banking industry."

Laura
Easy, Trustworthy Experience!

"Relay was recommended to me by a friend and I'm already so glad to be banking with them. The set up process was very easy and I got efficient, friendly support for the 1 question I had during the application."

Peter
I spent hours trying to find the “right” banking platform.

"I am happy to say that Relay has been great. They communicate with me and I get to talk to someone who isn’t a computer."

Lydia
Best banking for Profit First Companies.

"Relay is phenomenal. Not only is it easy to set up and use, the ability to make one transfer to multiple accounts and divide it up by percentages is life-changing."

Matthew
A need for every small business.

"Simple application process. Great user friendly online banking. As a small business owner, this kind of service is awesome. Thanks Relay!"

Mikek
Relay has been fantastic from Day 1.

"The setup was seamless with a clear set of easy steps. We run our entire operation from Relay and recommend them to our customers too."

Jake
The system does everything we need.

"We follow the Profit First financial model and we have multiple businesses. Each business has an account with several sub accounts so we can separate and manage money more effectively."

Christopher
Not Your Average Customer Care.

"Yep. The smart folks at Relay have put their best and brightest on the front lines, rather than bean counting in the back. Thank you for giving us the absolute BEST customer care in the industry."

Chinyere
The best expense mgmt. platform

Relay has been a game changer for our expense management. We can create up to 50 debit cards attached to each account. Every team member has access to only the accounts they need to manage. I wish we found Relay much earlier."

Alex
Banking with a Soul

"Beautifully executed great service all around. Awesome, user-oriented approach. The profoundly knowledgeable and caring customer support breathes soul into the historically bland banking industry."

Laura
Easy, Trustworthy Experience!

"Relay was recommended to me by a friend and I'm already so glad to be banking with them. The set up process was very easy and I got efficient, friendly support for the 1 question I had during the application."

Peter
I spent hours trying to find the “right” banking platform.

"I am happy to say that Relay has been great. They communicate with me and I get to talk to someone who isn’t a computer."

Lydia
Best banking for Profit First Companies.

"Relay is phenomenal. Not only is it easy to set up and use, the ability to make one transfer to multiple accounts and divide it up by percentages is life-changing."

Matthew
A need for every small business.

"Simple application process. Great user friendly online banking. As a small business owner, this kind of service is awesome. Thanks Relay!"

Mikek
Relay has been fantastic from Day 1.

"The setup was seamless with a clear set of easy steps. We run our entire operation from Relay and recommend them to our customers too."

Jake
The system does everything we need.

"We follow the Profit First financial model and we have multiple businesses. Each business has an account with several sub accounts so we can separate and manage money more effectively."

Christopher
Not Your Average Customer Care.

"Yep. The smart folks at Relay have put their best and brightest on the front lines, rather than bean counting in the back. Thank you for giving us the absolute BEST customer care in the industry."

Chinyere
The best expense mgmt. platform

Relay has been a game changer for our expense management. We can create up to 50 debit cards attached to each account. Every team member has access to only the accounts they need to manage. I wish we found Relay much earlier."

Your money—
protected, always

Data encryption & secure infrastructure

Two-factor authentication (2FA)

130K+ business owners trust Relay

Comprehensive fraud monitoring

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?