Relay accepts six document types for verifying a business owner's residential address or a business entity's operating address, provided each document is dated within the last six months.
When does Relay request address verification?
Relay requests address verification when it needs to confirm either the business owner's personal residential address or the business entity's operating address during the account application review. Every submitted document must be dated within the last six months, delivered in PDF format, written in English, and display the full name of the owner and business.
Which documents does Relay accept?
The following documents qualify for address verification, as long as they are dated within the last six months:
Utility bill, including a mobile phone or internet service bill
Bank statement (see section below for more details regarding statements)
Lease agreement, provided it is still active
Pay stub
Insurance bill or statement (auto or medical insurance)
U.S. driver's license, unexpired, for personal addresses only
What are the address requirements?
Only physical street addresses are accepted for verification. The following address types cannot be used:
PO Boxes
Virtual mailboxes
Mailbox rental services
What are the requirements for submitting a bank statement?
To be accepted, bank statements must meet the following criteria:
Name and physical address of the applicant must be visible
Address must be a physical address and not a PO Box or virtual mailbox
Document must be dated within the last 6 months
Issuer must be regulated and can be independently verified.
Statements from the below institution types can be accepted:
Any standard bank or credit union
Neobanks or Fintechs, if the statement names its regulator sponsor bank
Money Service Businesses (MSB), if the statement bears a physical address
Pre-Paid Card or Crypto-Platform, if the statement shows the applicant name and current physical address
Statements from the below institution types cannot be accepted:
Payment-app balance or screenshot with no formal statement or no address
Remittance/money-transfer receipts (ex. Western Union, MoneyGram, Ria, Wise)
Lending-App Statements (ex. Affirm, Klarna, Afterpay)
Any document from a country seen on Relay’s Prohibited Countries for Opening a Relay Account list
Any document missing the applicant name, residential address, date, or issuer identity
If you have any questions regarding a statement that you would like to submit, please reach out to Relay's Customer Experience team.
Can I use a Registered Agent address?
U.S. residents can use a Registered Agent address for the business address only, provided they supply a valid U.S. residential address for for their personal address. Non-U.S. residents can use a Registered Agent address for the business address, but must provide residential addresses for all beneficial owners of the business.
You cannot use a Registered Agent address as a personal address. Each business owner must submit a residential address and may be asked to provide verification documentation (e.g., a utility bill or bank statement).
How do I submit my address verification documents?
Upload your documents through the secure link Relay sends when verification is requested during your application review. If you have already applied and need to resubmit, respond to the email from Relay's onboarding team with your updated documents attached as PDFs.
Related articles
Using a Registered Agent Address and Operating Address for Your Business
Why does Relay need a Personal Address for Team Members with Transaction Permissions?
Talk to our Customer Experience team
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