SEE WHAT YOU'RE EARNING, SPENDING & SAVING

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.

Earn $300 when eligibility conditions are met4

No hidden fees or minimum balances

FDIC Insurance up to $3M available for funds on deposit via Thread Bank, Member FDIC²

Open account

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.

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Get $300

4
Claim your limited time bonus offer.
Claim 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

4Terms apply
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"We have had a great experience with Relay and I plan to use this for my businesses moving forward. It makes it very easy to add accounts, cards, users, vendors, etc. I can separate our cash with certain projects or initiatives so that our budgets are already set. All around, very solid company that I look forward to working with in the coming years."
Anthony Halsch
CEO at RoxBox Containers & Modifications
"I can finally say I LOVE my business banking! Relay has given me the flexibility and customer service I know my business deserves. Setup was a breeze, and banking has become FUN! I love the virtual card option, statements are easy to read, customer service is top-tier, and I have not run into ONE SINGLE ISSUE for the past year. Trust me when I say, they're the GOAT of business banking!"
Jibby Bond
Owner at Cultivar
"Relay has been great for my growing business. Having the ability to separate funds into different accounts is a very valuable feature. Relay is easy to use and makes me feel secure in my business finances."
Gabrielle Jones
Owner at Steady

EVERYTHING BUSINESS BANKING SHOULD BE, AND MORE.

Relay’s business checking features will keep you and your team on the money all of the time. Don’t worry about fees, paperwork or branch visits.

No monthly fees or minimum balances. Unlimited transactions and free ACH
Earn up to 3.76% APY on business savings
FDIC Insurance up to $3M available for funds on deposit via Thread Bank, Member FDIC2

MANAGE CARDS AND TEAM SPEND ANYWHERE

Relay is the all-in-one financial command center for your business.

Instantly track team expenses with customizable card limits and controls
Manage employee cards, giving them the freedom to spend within set limits
Get detailed expense reports that integrate with your accounting tools

MODERN TOOLS, UNMATCHED MOBILE BANKING

Save hours on bookkeeping each week, and do it all wherever, whenever.

Add up to 20 business checking accounts to organize your cash
Seamless integration with accounting and payroll tools
Automate transfers from one to multiple accounts using dollar amounts or percentages
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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.

165K+
Small businesses
using Relay
$0
Hidden Fees
1.5%
Cashback with
Credit Cards*
100%
100%
Human Customer Service

SMALL BUSINESS BANKING DONE RIGHT

Don’t waste another day—or dollar—with traditional institutions that nickel and dime small businesses like yours.
Open account

GOT QUESTIONS? WE'VE GOT ANSWERS.

What is Relay?

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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?

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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?

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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?

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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?

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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?

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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?

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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!

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Relay Financial Technologies, Inc. © 2025

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:

  • When you are subscribed to the Starter Plan, the interest rate on your savings accounts is 1.02% with an APY of 1.03%.
  • When you are subscribed to the Grow Plan, the interest rate on your savings accounts is 1.73% with an APY of 1.75%.
  • When you are subscribed to the Scale Plan, the interest rate on your savings accounts is 2.99% with an APY of 3.03%.

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.