Whether you're a new Relay user or transitioning your existing business from another institution, this checklist will guide you through a smooth switch. Follow the steps below to move your finances with confidence—and take advantage of Relay’s integrated tools to streamline payments, invoicing, and expense tracking.
Sections in this Article
Start by Moving Your Deposits to Relay
Businesses or individuals that send you payments by ACH or wire will need to update the account details they have on file for you. To ensure your payments are routed correctly, you'll want to send them your new Relay account and routing numbers.
We’ve included an email template you can use to notify clients or vendors:
Hi [Your Customer's Name],
I wanted to let you know that I have moved my business accounts to Relay. As a result, the account details you have on file for [Your Business Name] need to be replaced with my new account information.
Going forward, please use the following details when sending payment to [Your Business Name]:
[Add your business name, account number and routing number]
Can you please make sure that this is updated on your end by [date]?
Thank you, and please let me know if you have any questions.
[Your name]
On the web
Sign in to your Relay account
Navigate to the Accounts tab
Click on the checking account you would like the sender to deposit money into
Click the copy icon beside the account and routing numbers to paste into the email template
On the mobile app
Sign in to the Relay app on your mobile device
Navigate to the Accounts tab
Tap the checking account you want to use for deposits
Tap Share account info, then tap the copy icon beside your account and routing numbers
Open and Fund Your Relay Account
Create your checking and (optional) savings accounts
Add funds to your Relay account from your previous institution
Order Relay Visa® debit cards for yourself and team members
Set up your backup account to prevent card declines
Learn how to open a Relay business account →
Update Your Payment Info Across Business Tools
Update your Relay account and routing numbers for:
Payroll platforms (e.g., Gusto, ADP)
E-commerce platforms (e.g., Shopify, Etsy)
Payment processors (e.g., Stripe, Square)
Business tools (e.g., PayPal, Venmo Business)
Tax agencies or contractors (e.g., IRS, state agencies, 1099s)
Download a bank verification letter from your Relay account to simplify updates.
Payment Processors and Bill Pay Tools
If you move money through payment processing tools like Stripe or use a bill pay tool like Bill.com, then you will need to make sure each tool is properly integrated with Relay.
We've rounded up instructions for updating account details in popular payment processing tools here.
Please note: you will need to add a Relay account and routing number to each tool. Follow the steps outlined above to locate your account and routing numbers, then paste those details into the payment processing tool you're updating.
Set Up Bill Pay and Expense Management
Relay allows you to manage outgoing payments with built-in approvals, audit trails, and document uploads. Simplify your back-office by:
Creating and sending bills to vendors through Relay
Uploading receipts or documentation for every expense
Inviting team members and assigning cards with spending limits
Setting up approval workflows for bills and reimbursements
Integrate with Xero or QuickBooks Online to automate reconciliation and sync payment records directly with your accounting software:
Move Pre-Authorized Debit Card Transactions
When switching to Relay, you will need to make sure all pre-authorized debit card transactions are moved over to new Relay cards to ensure that you don't miss any payments.
With Relay, you can issue as many physical and virtual debit cards as you need and these cards can be used anywhere credit cards are accepted. For instructions on how to issue new debit cards on Relay, please see Creating a Relay debit card.
Once your cards are created and active, move all of your pre-authorized card transactions (e.g., monthly utilities, software subscriptions) to your new Relay debit cards.
You should also update any other vendor that has your card details on file for one-off or ad hoc payments, like Amazon. This article includes instructions for updating account details in tools popular among our customers (like Google G Suite, Slack, Zoom, and more):
Updating your business tools with Relay →
Switch Incoming Payments to Relay
Update client invoices and recurring payments with your Relay account details
Notify customers and clients of your new payment info
Use Relay’s Invoices or Quick Requests to streamline incoming payments:
With Relay Invoices, you can:
Create and send professional, branded invoices
Accept ACH, card, or wire payments directly into Relay
Automate payment reminders and track status in real-time
Consolidate receivables with your money management in one place
Learn more about Relay Invoices →
Prefer a simpler way to get paid?
Try Quick Requests to collect one-off payments via email or link—no invoice required.
Make the Most of Relay
Set up savings accounts to plan for taxes, payroll, or growth
Use sub-accounts to organize funds by project, department, or revenue stream
Explore cash flow insights by viewing expenses, bills, and receivables in one place
Invite your accountant or bookkeeper with tailored permissions
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