Your cash flow can be clearer
Apply now for small business banking that puts you in complete control of what you’re earning, spending and saving.
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.
YOUR MUST-HAVES, covered
No hidden fees or minimums that tie up cash flow
Savings with up to 3.03% Annual Percentage Yield (APY)1
All the payments you could need—ACH, check and wire
20 checking accounts for meticulous organization
Up to 1.5% cash back* on credit card spending
FDIC insurance up to $3M for funds on deposit2
YOUR MUST-HAVES, covered
No hidden fees or minimums that tie up cash flow
Savings with up to 3.03% Annual Percentage Yield (APY)1
All the payments you could need—ACH, check and wire
20 checking accounts for meticulous organization
Up to 1.5% cash back* on credit card spending
FDIC insurance up to $3M for funds on deposit2
See your cash flow clear as day
Use multiple checking and savings accounts to meticulously allocate every dollar to an operating expense or your profit.
Get the income overview
Collect payments in one place—including ACH transfers, wires, checks, cash, card and payouts from tools like PayPal, Stripe, and Square.
Earmark the essentials
Create a checking account for every spend category. Automate allocations into each account to keep business running as usual.
Save for the future
Contribute to your savings every month to prep for big expenses (like taxes) and to build up use profit to fuel your growth.
Feel in complete control
Always know when and how much to spend No more overspending or overextending on your path to profitability.
7-figure sales? Time to talk.
You didn't build a booming business to babysit your bank account.
Relay gives you the tools to grow, no DIY required.
RELAY IS more than CHECKING & SAVINGS
It’s all the expense management tools you need to always spend below your means and max out your margins.
Spend smarter and savvier
Assign a card, with built-in spend policies, to every employee who needs one. Let Relay run after receipts for you, and save time by automating away bookkeeping admin.
Learn more about Expense Management on Relay
Pay your bills without breaking bank
Banking and bill pay, a business meet-cute. Import your bills from QuickBooks Online or Xero, say goodbye to payment fees and set approval rules so that bills only get paid once you say so.
Learn more about Bill Pay on RelayMake profit a habit
Relay is the official banking partner of Profit First. Together, Profit First and Relay ensure that every dollar is allocated according to your plan for profitability.
Learn more
What complete cash flow clarity feels like
Every day, week, month and year.
You know where every dollar is, every day
Money doesn’t move unless you tell it to. Use spend policies, approvals and transfer rules to ensure your money is exactly where it needs to be, when it needs to be there.
Chasing down details doesn’t take up your week
Relay keeps scrupulous records of money movements. Get ultra-detailed spending data, a receipt for every purchase and an audit trail for each payment.
Bookkeeping isn’t a headache every month
Relay directly syncs comprehensive, categorized transaction data and receipts into your accounting software for the simplest and speediest of bookkeeping.
You end the year in the green and ready to grow again
Picture it. Your cash flow command means you spent less than you made every month and you have enough profit to make next year you’re biggest one yet.
Your money protected, always
A best-in-class security certification
Relay is SOC 2 Type II certified, providing enterprise-level security to protect our customers and data.
Visa® Zero Liability Protection
Quickly identify and resolve unauthorized activity with the help of Relay and Visa®.
Control who sees and spends what
Give advisors and employees the exact level of access they need, and revoke it in just a few clicks.
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."
