Relay is a financial technology company and is not an FDIC-insured Bank. Banking services provided by Thread Bank, Member FDIC.
Relay is built with strong, always-on security features, from magic links at login to continuous monitoring behind the scenes. But the strongest security doesn’t come from technology alone. It comes from working together.
As a business owner, there are simple steps you and your team can take to make your Relay account even more secure. Some protect you from cyber threats. Others help you manage access inside your business. And some are about avoiding everyday mistakes that can lead to lost money or wasted time.
Here’s how to add those extra layers of protection — and how Relay is already working alongside you.
1. Protect yourself from outside threats
Most cyberattacks aren’t highly technical. They’re opportunistic. Think emails that look like they’re from a trusted company, login pages that almost look real, or malware hiding on outdated devices.
Relay helps on our side with phishing-resistant magic links, fraud prevention, and security certifications. Learn about Relay’s security features.
On your side, a few simple habits go a long way.
Use different passwords and turn on Two-Factor Authentication (2FA)
Encourage them to add an extra layer of protection by enabling 2FA. Learn more.
Be scam-smart
Coach customers to be vigilant against phishing attempts. Key points to reinforce:
Relay will never ask for a phone number, password, or 2FA code over social media, text, or email.
Our only login URL is **https://app.relayfi.com/login**.
Official accounts: @bankwithrelay and @relay.hq on Instagram; @bankwithrelay on Twitter/X, LinkedIn, and Facebook.
Official emails only come from @relayfi.com or @bankwithrelay.com domains.
Verify unusual requests
Remind customers to double-check unusual payment or login requests before acting. Point them to resources on notifications and session activity.
Act quickly if a card is compromised
If a customer suspects a Relay debit card has been misused, advise them to freeze or cancel it right away from the Cards section.
Together, these best practices — combined with Relay’s built-in protections — help customers keep their finances safer.
Expert insight: spotting fraud before it happens “Fraudsters often target small businesses because they assume you don’t have the controls bigger firms do. The best way to fight back is simple: turn on multi-factor authentication, never share login details, and always verify unusual payment requests. When in doubt, stop and check.” — Angela Mao, Director of Compliance, Relay
2. Protect yourself from inside risks
Not all risks come from the outside. Sometimes they’re closer to home, like a teammate with too much access or an advisor logging in with a shared password.
Relay gives you role-based permissions, advisor logins, and access logs to keep things tight.
Here’s what to do:
Set role-based permissions. Decide who can view balances, approve payments, or move money. Not everyone needs full access.
Give advisors their own login. Invite your accountant or bookkeeper into Relay with the right role, instead of sharing your password.
Audit access regularly. Staff change roles and responsibilities. Review permissions every few months to keep things aligned.
This isn’t just about guarding against “bad actors.” It’s also about preventing well-meaning teammates from doing things they shouldn’t — like paying a bill when they only need to see balances.
Salma’s story: from risky logins to reliable workflows Salma runs a fully remote bookkeeping practice, supporting clients across the U.S. Before Relay, those clients often shared banking credentials just to keep things moving — a risky habit that left sensitive data exposed and dragged out approvals for weeks.
With Relay, her workflows transformed:
Every client and team member received their own secure login with two-factor authentication.
Role-based permissions gave Salma clear visibility, accountability, and eliminated bottlenecks.
Payments and approvals flowed faster, without sacrificing safety.
Now, her clients avoid month-long delays, and Salma has confidence that their financial data is protected while her practice runs more efficiently.
“Relay makes my clients’ approval process so much smoother. Instead of chasing logins or waiting weeks, we can move money securely and quickly. It’s a huge relief knowing their information is safe.”
— Salma, CPA and Owner at PROKONECT
3. Protect yourself from mistakes and misspending
Even with the best intentions, mistakes happen. A duplicate bill gets paid. A card is used for the wrong purchase. A vendor asks for account details you shouldn’t share.
Relay reduces these risks with built-in spend controls, approval rules, and real-time monitoring. On your side, you can:
Issue team cards securely. Provide employees with their own Relay debit cards instead of sharing one, which keeps spending traceable and secure.
Use receipt policies. Require receipts for employee card purchases to add accountability and prevent misuse.
Use spend controls. Set transaction limits, daily caps, or category restrictions on employee cards. You can even choose to approve every single purchase in advance.
Turn on spend alerts. Get instant alerts to catch unusual spending as it happens.
Use payment requests. Receive wire and ACH transfers through a secure Relay account, without exposing your real account number.
Set bills approval rules. Add a second review step for certain outgoing payments, like bills over a set amount.
These small safeguards keep day-to-day operations running smoothly while preventing costly mistakes.
Security is strongest when it’s shared
At Relay, we design security to work in the background — always on, never in your way. But the strongest protection comes from combining what we do with what you do. Together, these steps make your Relay account safer, your operations smoother, and your peace of mind stronger.
Take action today: Log in to Relay to review your security settings, invite your advisor securely, and explore tools like spend controls and bills approval rules.
Not on Relay yet? Sign up today to get a business banking platform built with security at its core.
