Beyond the business banking basics
Up to 20 individual checking accounts
2 savings accounts with 1.00%-3.00% APY1
Physical and virtual cards for you and your team
Credit cards with 1.5% cash back*
Payments via ACH transfer, wire and check
Direct integrations with QuickBooks Online and Xero
Capture and store receipts for safekeeping
See your cash flow clear as day
Relay makes it easy to understand precisely what you’re earning, spending and saving so you can make the smartest decisions for your business.
Get the income overview
Collect income in one place to see what you’re working with. Consolidate all of your payments—including ACH transfers, wires, checks and payouts from tools like PayPal, Stripe, Square and more.
Earmark the essentials
Use up to 20 accounts to organize and allocate income for things like day-to-day expenses and payroll. Automate the transfer of income into each account using dollar amounts or percentages.
Save for the future
Use savings accounts to separate and continually contribute to reserves for taxes, investments in your growth and unexpected emergencies. Savings accounts earn 1.00%-3.00% APY1, and you can open up to 2 savings accounts per business.
Feel in complete control
A crystal-clear picture of your cash flow helps you make more intelligent, more informed decisions about your money—no more overspending or overextending.
Make profit a habit
As the official banking platform for Profit First Professionals, Relay keeps you on track with the Profit First method. Open accounts in seconds, set up auto-transfer rules and put allocations on autopilot.
What ‘on the money’ feels like
You know where every dollar is going
Take the grind out of expense tracking with ultra-detailed data. Relay cleans and standardizes vendor names, captures receipts from card spend and keeps a record of team spending.
Bookkeeping doesn’t give you a headache
Relay directly syncs comprehensive data for in- and outgoing transactions to QuickBooks Online and Xero for simple, speedy and meticulous bookkeeping.
You can delegate money management
Role-based user permissions allow your accountant, bookkeeper and team members to help with bookkeeping, bill payments, third-party check approvals, and other day-to-day banking tasks.
Tax season doesn’t keep you up at night
Picture it. All transactions are neatly reconciled at month-end. There’s no need to chase contractors for W-9 forms. Receipts are safely captured and organized. And you’ve been saving throughout the year for your tax bill.
Your money — protected
Feel safe knowing that FDIC insurance is provided through Thread Bank.2,3 Your cards are also covered by the Visa® Zero Liability Protection3 Policy.
FDIC Insurance up to $3M available for funds on deposit via Thread Bank, Member FDIC2,3
Visa® Zero Liability Protection3
Two-factor authentication and biometric security
Kind words from our community
Great Experience!
"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."
