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        Automated savings that earn you up to 3.03% APY1

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        Capture receipts, categorize expenses, and close your month-end faster

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        Give your business the cash flow cushion it deserves

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Legal

Brex Promotional Offer

These Terms of the Brex Promotional Offer (“Terms”) are made available by Relay Financial Technologies Inc. (“Relay” or “we”/”us”). This promotional offer is conditional on your acceptance of and compliance with these Terms below, as well as our Privacy Policy (https://relayfi.com/privacy) which governs our use of your personal information, and our Terms of Service (https://relayfi.com/terms) (“Terms of Service”) which grants the rights to register for a Relay account and to access the Relay financial services platform (“Relay Platform”), all of which are available on www.relayfi.com https://relayfi.com (the “Website”).

Promotional Offer

This promotional offer is open to organizations that were notified by Brex on June 16, 2022, that their Brex accounts would be closed due to a shift in company strategy. Organizations impacted by Brex’s decision can register for a new Relay account and receive a one-time Offer of $150 USD. The Offer will be deposited into an organization’s new Relay account once the account has been approved, and the organization has deposited a minimum of $1 into the account. Additionally, organizations will need to prove they were impacted by Brex’s decision by forwarding their account closure notice email to support@relayfi.com.


The $150 USD deposits may take up to fourteen (14) days after an organization has deposited requisite funds into their new Relay account and email proof has been sent to support@relayfi.com.


This Offer is limited to one $150 USD cash reward per business owner—if a business owner opens more than one new Relay account, the $150 cash reward will only be deposited into one Relay account.

Limitation of Liability

Disclaimer. There are no warranties or conditions (whether implied or arising by statute or otherwise in law or from a course of dealing or usage of trade) for the Relay Platform, services or support, and RELAY DISCLAIMS ALL STATUTORY OR IMPLIED WARRANTIES AND CONDITIONS INCLUDING WITHOUT LIMITATION THE CONDITIONS AND/OR WARRANTIES OF MERCHANTABILITY, MERCHANTABLE QUALITY OR FITNESS FOR ANY PURPOSE, PARTICULAR, SPECIFIC OR OTHERWISE. Relay does not warrant that the functions contained in the Relay Platform will meet the Customer’s requirements or that the operation of the Relay Platform will be uninterrupted.


UNLESS PROHIBITED BY APPLICABLE LAW, IN NO EVENT SHALL RELAY OR ITS AGENTS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES OF ANY KIND, WHETHER OR NOT FORESEEABLE INCLUDING WITHOUT LIMITATION, LOSS OF BUSINESS, LOST PROFITS OR REVENUE, OR FAILURE TO REALIZE EXPECTED SAVINGS, EVEN IF THE PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE TOTAL AGGREGATE LIABILITY OF RELAY FOR DIRECT DAMAGES UNDER THIS AGREEMENT SHALL BE LIMITED TO THE FEES PAID BY CUSTOMER IN THE TWELVE (12) MONTHS PRECEDING THE DATE ON WHICH THE CAUSE OF ACTION GIVING RISE TO THE LIABILITY AROSE. YOU WILL BE RESPONSIBLE FOR ANY LOSS, COST OR LIABILITY (INCLUDING REASONABLE LEGAL CHARGES) INCURRED BY US AS A RESULT OF YOUR FAILURE TO COMPLY WITH THIS AGREEMENT.

Waiver and Severability

The failure of Relay to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. In the event that any provision of these Terms is held to be invalid or unenforceable, the remaining provisions of these Terms will remain in full force and effect.

Controlling Law and Jurisdiction

These Terms and any action related thereto will be governed by the laws of the Province of Ontario, Canada without regard to or application of its conflict of law provisions or your province or country of residence. All claims, legal proceedings or litigation arising in connection with these Terms will be brought solely in the Province of Ontario, Canada, and you consent to the jurisdiction of and venue in such courts and waive any objection as to inconvenient forum.

Entire Agreement

These Terms, our Privacy Policy, and our Terms of Service are the entire and exclusive agreement between Relay and you regarding the Offer, the Website and Relay’s services and these Terms supersede and replace any prior agreements between Relay and you regarding the Website and Relay’s Services.


If you have any questions about these Terms, please contact us at: support@relayfi.com.

Go to home

What is Relay

  • Business checking
  • Business savings
  • Profit First banking
  • Accounts payable
  • Expense management
  • Pricing
  • Integrations
  • Xero
  • QuickBooks Online
  • Gusto
  • Plaid & Yodlee

Accountants & Bookkeepers

  • Client banking
  • Partner program
  • Gearing Up
  • Get certified
  • Guides
  • Accounts payable
  • Data security
  • Growth playbook
  • Becoming a cash flow advisor

Resources

  • Everyday business blog
  • Advisor directory
  • Advisor hub
  • FAQs
  • Bi-weekly webinar
  • Support center
  • Banking for real estate investors
  • Banking for e-commerce
  • Banking for agencies
  • Switch to Relay
  • Cash Flow Compass

Company

  • About us
  • Customer stories
  • Careers
  • Affiliate program
  • Contact us
  • Why Relay
  • Trust Center
  • Safety & Security

Legal

  • Terms of Service
  • Privacy Policy
  • Deposit Agreement
  • Savings Account Agreement
  • Cardholder Agreement
  • Electronic Communications Agreement
  • Relay Visa® Credit Card Cardholder Agreement
  • Visa® Signature Card Rewards Program Terms & Conditions
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Relay Financial Technologies, Inc. © 2025

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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.

1 The interest rates and annual percentage yield on your account are accurate as of 04/29/2025 and are variable and subject to change based on the target range of the Federal Funds rate.

For customers with accounts opened on or after 4/29/25 or existing customers that have been migrated to Relay’s subscription plans, APY will vary between 1.03% and 3.03% depending on the subscription plan you are subscribed to:

  • When you are subscribed to the Starter Plan, the interest rate on your savings accounts is 1.02% with an APY of 1.03%.
  • When you are subscribed to the Grow Plan, the interest rate on your savings accounts is 1.73% with an APY of 1.75%.
  • When you are subscribed to the Scale Plan, the interest rate on your savings accounts is 2.99% with an APY of 3.03%.

2 Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions on the sweep program. Pass-through insurance coverage is subject to conditions.

*Terms and conditions apply to the cash back rewards program. Monthly cash back rewards will be automatically deposited into your Relay checking account within 30 days of the end of the credit card billing cycle. ATM transactions, the purchase of money orders or cash equivalents made with your Relay Visa® Credit Card are not eligible for cash back. Please refer to the Visa® Signature Rewards Program Terms & Conditions for more details.

**Relay is not affiliated with SoFi, or OnDeck, and Relay’s privacy and security policies may differ from SoFi’s, and OnDeck's, privacy and security policies. Relay will be paid a fee from SoFi, and OnDeck if you obtain a product through either of these links. All rates, terms, and conditions vary by provider. Approval for a loan is not guaranteed.

Payment services (non banking/checking accounts or services) are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: The Steward Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199).

Payment services in the United States are provided by Visa Global Services Inc. (VGSI), a licensed money transmitter (NMLS ID 181032) in the states listed here. VGSI is licensed as a money transmitter by the New York Department of Financial Services. Mailing address: 900 Metro Center Blvd, Mailstop 1Z, Foster City, CA 94404. VGSI is also a registered Money Services Business (“MSB”) with FinCEN and a registered Foreign MSB with FINTRAC. For live customer support contact VGSI at (888) 733-0041.

3 Please note that funds relating to Currencycloud's services are not FDIC insured or protected by the Visa Zero liability protection policy. In regards to Currencycloud's services when funds are posted to your account, e-money is issued in exchange for these funds, by an Electronic Money Institution who we work with, called Currencycloud. In line with regulatory requirements, Currencycloud safeguards your funds. This means that the money behind the balance you see in your account is held at a reputable bank, and most importantly, is protected for you in the event of Currencycloud’s, or our, insolvency. Currencycloud stops safeguarding your funds when the money has been paid out of your account to your beneficiary’s account.

All testimonials, reviews, opinions or case studies presented on our website may not be indicative of all customers. Results may vary and customers agree to proceed at their own risk.