SEE WHAT YOU'RE EARNING, SPENDING & SAVING
Powerful business banking for small business owners.
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.
Get $300
Claim your limited time bonus offer.
Earn $300 when you deposit $10,000 into your Relay account within the first 30 days of account opening and maintain it for 90 days. Reward is deposited into your Relay account within 30 days of meeting the requirements.4
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Relay gives you so much control over your Bank Account(s). I'm pleased I switched.
Online business banking
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
FDIC Insurance up to $3M available for funds on deposit via Thread Bank, Member FDIC2
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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 Venmo, Cash App, PayPal, Square, 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.
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Budget and 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 acounts any time, or automatically allocate a percent of every deposit to a specific account.
Earn up to 3.03% APY1 on savings
Set savings goals and track your progress, whether you're preparing for insurance premiums or a rainy day.
See why over 165K business owners have chosen Relay
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."
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."
I spent hours trying to find the “right” bank.
"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. They offered me opportunities to learn their platform which made me feel like they want me to succeed."
Best bank 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."
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!"
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."
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."
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."
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."
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."
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."
I spent hours trying to find the “right” bank.
"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. They offered me opportunities to learn their platform which made me feel like they want me to succeed."
Best bank 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."
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!"
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."
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."
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."
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
FDIC insurance is available for funds on deposit through Thread Bank.2 Your cards are also covered by the Visa® Zero Liability Protection Policy.
Data encryption and
secure infrastructure
Two-factor
authentication (2FA)
165K+ Business
Owners Trust Relay
Comprehensive
fraud monitoring
you asked. we answered.
What is Relay?
Relay is an online business banking and money management platform designed to help small businesses take control of their cash flow.
Can I set up checking accounts and Relay Visa® debit cards on my own?
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.
Does Relay support the Profit First method?
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:
- Up to 20 real checking accounts (not just envelopes) with no account fees or minimum balance requirements.
- The ability to give each checking account a unique nickname (i.e., Income, Profit, Owner’s Pay, Taxes, Operating Expenses)
- Percent-based transfers between checking accounts
- Auto-transfer rules that can automate your Profit First allocations on a daily, weekly, twice-monthly or monthly basis
- Secure collaboration features that make it easy to get coaching from a Certified Profit First Professional inside Relay
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.”
Where can I withdraw cash using my Relay Visa® debit card?
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.
Where can I deposit cash using my Relay Visa® debit card?
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.
Does Relay offer savings accounts?
Relay offers 2 savings accounts per business. Savings accounts earn up to 3.03% APY1depending on how much you keep in each account:
Can I use Relay to send and deposit checks?
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!
