Welcome to Relay

Keeping your business on the money

Relay’s online banking and money management platform puts you in complete control of your cash flow.

Bank with Relay

Relay is a financial technology company, not a bank. Banking services provided by Thread Bank; Member FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted.

Welcome to Relay

Keeping your business on the money

Relay’s online banking and money management platform puts you in complete control of your cash flow.

Bank with Relay

Relay is a financial technology company, not a bank. Banking services provided by Thread Bank; Member FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted.

Beyond the business
banking basics

  • No account fees, overdraft fees or minimum balances

  • Up to 20 individual checking accounts

  • 50 virtual or physical Visa® debit cards

  • Payments via ACH and wire (checks coming soon)

  • Free cash deposits and withdrawals at Allpoint ATMs

  • Direct integrations with QuickBooks Online and Xero

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.

1

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.

Get the income overview
Earmark the essentials
2

Earmark the essentials

Use up to 20 checking 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.

3

Save for the future

You can also use checking accounts to set up, separate and continually contribute to cash reserves for taxes, investments in your growth and unexpected emergencies.

Save for the future
Feel in complete control
4

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.

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, pre-categorizes card purchases 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 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. And you’ve been saving throughout the year for your tax bill.

Your money — protected

Feel safe knowing that you’re FDIC insured up to $250,000 per business and covered by the Visa® Zero Liability Protection Policy

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FDIC insured up to $250k

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Visa® Zero Liability Protection

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Two-factor authentication and biometric security

Kind words from our
community

"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."

Ready to be on the money?

Let's bank