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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.

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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.

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.
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Explore plans

Starter
For solopreneurs and businesses
just getting started.

$0

/ month
Business banking essentials and simple tools to give you complete cash flow clarity.
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Show features
Banking
0.97% APY1
on savings accounts
1% cash back*
on credit cards
Bills & expenses
Bill creation, intake & management
Cards with built-in spend policies
Receipt collection & storage
Invoicing
ACH debit +1% of transaction amount
Payment request links
Invoice creation & tracking
Accounting integrations
Quickbooks
Xero
Grow
For small teams with growing
cash flow complexities.

$30

/ month
Tools and automations to put you in control of financials and free of shortfalls.
Trial Grow for 14 days
Show features
Banking
1.65% APY1
on savings accounts
1.25% cash back*
on credit cards
Everything in Starter, plus
Bills & expenses
Savings on payment fees
Multi-step bill approval rules
Customizable bookkeeping automation
Partial bill payments
Invoicing
ACH debit +0.75% of transaction amount
Branded invoices
Recurring invoices
Popular
Scale
For larger teams that want to
scale more, faster.

$120

$90

/ month
AI-powered automation and insights to help you save time and max out margins.
Trial Scale for 14 days
Show features
Banking
2.86% APY1
on savings accounts
1.5% cash back*
on credit cards
Everything in Grow, plus
Bills & expenses
10 free same-day ACH per month
Bill payment automation
Out-of-policy spend requests
Invoicing
ACH debit +0.5% of transaction amount
AI-powered collections agent
Insights
Cash flow insights & forecasts
And more...
Special offers from Relay partners like Xero and Engine
Faster customer support by phone and email
Discounted for a limited time
Relay is a financial technology company and is not an FDIC-insured bank.
Additional transaction fees apply. Find full details here.

Ready to get started?

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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.

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.
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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?

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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.
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Relay Financial Technologies, Inc. © 2025

Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank2, 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. 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. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

1 The interest rates and annual percentage yield on your account are accurate as of 09/18/2025 and are variable and subject to change based on the target range of the Federal Funds rate. Fees may reduce earnings. For customers with accounts opened on or after 4/29/25 or existing customers that have been migrated to the subscription plan, APY will vary between 0.97% and 2.83% 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 0.97% with an APY of 0.97%.
  • When you are subscribed to the Grow Plan, the interest rate on your savings accounts is 1.63% with an APY of 1.65%.
  • When you are subscribed to the Scale Plan, the interest rate on your savings accounts is 2.82% with an APY of 2.86%.

2 Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its 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, OnDeck, or Revenued, and Relay’s privacy and security policies may differ from SoFi’s, OnDeck's, and Revenued's privacy and security policies. Relay will be paid a fee from SoFi, OnDeck, and Revenued 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.