Business banking1 builtfor general contractors.
Manage your money like your jobs—with control at every step.
Separate incoming cash by job- Pay subs by ACH, wire, or check
- Issue debit cards³ to your team
- Track what’s in, out, and due
Payments haven’t hit. The bills are due. That gap is where jobs stall.
Relay keeps your cash organized in one place, so you can stop second guessing, stop shifting money around, and stay in control—no matter when payments land.
Put every single dollar to work.
Open up to 20 checking accounts1 with no hidden fees.
Keep cash clearly separated across every job, crew, or phase.
See where you stand and what you can spend—at a glance.
Control crewspending in the field.
Issue up to 50 Visa® debit cards3 to subs and site supers.
Set limits by job, role, or vendor to keep spending on budget.
Give your crew access to what they need without losing oversight.
Organize moneyas it moves.
Attach receipts to every line item—right in Relay.
Automatically categorize expenses as they happen.
Connect to QuickBooks or Xero for always-up-to-date books.
“Relay has been a game-changer for our business. Not having to remember where the money came from or went to is awesome. We just create an account for every job!”
KEVIN
Keep subs paidand schedules on track.
Upload or forward invoices—we’ll capture the details and track what’s due. Then, pay them by ACH, wire, or check without leaving Relay.
Keep cash flowingbetween jobs.
Send invoices or payment requests as soon as work is done. Get paid faster with easy payment links and automatic follow-ups.
Get started in minutes
Easy sign up
No credit check
No minimum balance
No hidden fees
Your questions,answered.
Relay is an online business banking1 and money management platform designed to help small businesses take control of their cash flow. With Relay, you can:
- Organize cash with up to 20 accounts, including two savings accounts with up to 3.00% APY1.
- Issue up to 50 physical and virtual Visa® debit cards3.
- Print third-party check books with your Relay account and routing number.
- Withdraw cash at Allpoint ATMs.
- Deposit cash at Allpoint+ ATMs and at 90K+ Green Dot Network participating retailers.
- Collect payment from tools like Stripe, Square, Shopify and more.
- Use auto-transfer rules to move cash between accounts automatically.
- Give team members and financial advisors secure, role-based access.
- Get personalized customer support by email.
You can use separate accounts to reflect how your cash is allocated across your business—whether that’s by job, cost type, or both. Instead of tracking everything in one balance, you can see exactly what’s available across your active work.
Absolutely! You can use role-based permissions to provide employees and advisors with the exact level of access they need to help with bill payments, debit card management, bookkeeping, and more. Each user will have their own login credentials to keep your account safe.
Yes! Once your account is approved, you can create up to 20 accounts and issue up to 50 physical or virtual cards online in just a few clicks.
Physical cards can be shipped to any US or international address in 8-10 business days, while virtual cards are available instantly.
Checks can be deposited into your account using the Relay mobile app (available on iPhone and Android).
You can write checks from our web and mobile applications, and we’ll send them to the recipient on your behalf. You can also print third-party check books with your Relay account and routing number. To access third-party check writing, you must fund your Relay account with a minimum of $100.
Yes! FDIC insurance is available up to $3 million2 for funds on deposit through Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions.