Relay vs. 1st Bank Yuma: Which is better for Arizona business banking?

By Haley Davidson

Founder & Content Strategist, Gaia Content

Are you a business owner looking for a business bank in Arizona? In this guide, we’ll compare Relay to 1st Bank Yuma. Relay is an online banking platform while 1st Bank Yuma is a traditional bank based in Arizona. 🏦

Traditional banks like 1st Bank Yuma offer a blend of in-person and online services. Modern platforms like Relay provide a fully digital banking experience that’s tailored for businesses. Let’s delve deeper into what each banking solution brings to the table.

In this article:

What is Relay? 

Relay offers modern online banking and money management tools that help small businesses oversee their cash flow. 💚 Relay’s users can create up to 20 free checking accounts and handle multiple payments from one central place.

Relay’s digital-first approach creates a frictionless banking experience while avoiding the most common obstacles of traditional banking. Small businesses also have the option to grow their money through Relay savings accounts that earn between 1-3% APY1.

What is 1st Bank Yuma? 

1st Bank Yuma is a traditional Arizona-based bank with 6 branch locations and access to ATMs nationwide. This bank offers three different business checking accounts in addition to several business savings accounts. 1st Bank Yuma also offers business loans and credit cards for those who need to borrow money for their business. 💰

Relay vs. 1st Bank Yuma Comparison Chart


1st Bank Yuma


Open Account Online


Online Banking

✅ Web, Apple iOs and Android Mobile Apps

✅Web, Apple iOs and Android Mobile Apps 

Monthly Account Fees



Minimum Opening Deposit



Minimum Balance Requirement



Overdraft Fees



Money Movement

Wire Transfer: $15-$45 depending on origination

ACH Payments: Depends on account 

Wire Transfer: $5 domestic, $10 international (Free with Relay Pro)

ACH Payments: Free 

ATM Access

61,000+ (MoneyPass ATMs)


Branch Locations

6 Arizona branches


Interest-bearing accounts

✅Varies by account

✅1-3% APY on savings depending on balance

Business Credit Cards


Online Reviews

3.0 Star Rating on Yelp

4.6 Star Rating on Trustpilot

Online and Mobile Banking

Relay Mobile and Online Banking

Relay is accessed through either the mobile app or a web-based option. Both digital platforms include easy-to-navigate menus for efficient and organized work. When you manage money with Relay, you can unlock additional features such as receipt capture via mobile camera and virtual debit cards. 💳

1st Bank Yuma and Online Banking

1st Bank Yuma has a mobile app and a web-based version. The mobile app and the web-based versions are very similar, with the main difference being the ability to deposit checks with the app. Both options also allow you to view account information and conduct transfers.

Monthly Fees and Other Charges

Relay Fees

Relay maintains an affordable fee-free pricing structure for its services. Relay account holders won’t encounter monthly fees, overdraft fees, or minimum balances. This frees up funds to make your business grow. 💸

1st Bank Yuma Fees

1st Bank Yuma has several fees related to its accounts. There are monthly fees of $10-$12 that can be waived with a minimum balance of $1,500. Additionally, there are overdraft fees of $32 plus $4 for each additional business day.

Accounts Payable

Relay Accounts Payable

Every business owner understands how important it is to pay bills precisely and on time. Relay’s accounts payable features make this process easier and faster. The all-inclusive Relay dashboard helps manage bill payments and allows for vendor contract savings for future payments. You can also integrate your account with Quickbooks Online and Xero. 💻

With Relay’s paid tier called Relay Pro, you get access to additional features including same-day ACH and free outgoing wires. For people on your team, you can also set up multi-step approval rules for easier processing.

1st Bank Yuma Accounts Payable

1st Bank Yuma has several partnerships to provide accounts payable features to its account owners. It has a partnership with Fitech to provide merchant payment processing solutions. It also has a partnership with Deluxe for payroll and HR services, and a partnership with Autobooks for additional tools. 📲

Verdict: Which banking partner is right for your business?

Choosing the right banking partner for you is crucial to your business’s success and growth. Both Relay and 1st Bank Yuma offer unique features built to support business needs. 💵

Relay provides a digital-first approach with seamless integrations and no monthly fees. 1st Bank Yuma offers several checking and savings account options and local community support.

To find the right fit for your business, first consider your business goals and the type of support you need. Then, choose the banking platform that aligns with your business plan. If you’re ready to sign up for Relay, you can get started entirely online here! 🔗