Closing your Relay account is done through our Customer Experience team once you have moved your balance out, downloaded the statements you want to keep, and cleared any pending transactions.
What you need before you start
A $0 balance on the Relay account you want to close
An external bank account ready to receive any remaining money
Downloaded copies of every statement or record you want to keep
No incoming or outgoing transactions still pending
How do I close my Relay account?
You cannot close a Relay account from inside the app. You submit a closure request to the Relay Customer Experience team, and an agent processes the closure once the account is empty and clear.
Move your remaining balance out of Relay. Transfer any remaining money to an external bank account via ACH, wire, or check so the closing balance is $0.
Download any statements you want to keep. Save every statement or transaction record you may need for taxes, bookkeeping, or personal reference. Once the account is closed you will not be able to log back in to retrieve them.
Confirm there are no pending transactions. Wait for anything in flight to settle before submitting the closure request.
Contact the Customer Experience team. Ask them to close your Relay account. Once they confirm the account is empty and clear, they will complete the closure.
Does Relay charge a fee to close an account?
Relay does not charge you to close your account. There is no closure charge on any subscription plan.
Can I log into my Relay account after it is closed?
No. Once closure is complete, you lose access to the account permanently, including transaction history and any statements you did not download before closing.
Can I reopen a closed Relay account?
No. Closed Relay accounts cannot be reopened. If you want to bank with Relay again in the future, you will need to sign up for a new Relay account from scratch.
What if I only want to delete one checking or savings account?
If you want to remove a single checking or savings account inside your Relay business rather than close the whole business, you can delete that individual account on its own. See Deleting a checking or savings account for the in-app steps.
What about my Relay Visa® Credit Card?
If you have an open Relay Visa® Credit Card, the credit account closes on a separate flow. Pay off the balance and follow Closing your credit account before you request full closure of your Relay account.
Common issues
Balance is not $0. Transfer the remaining money to an external bank account before contacting the Customer Experience team.
Pending transactions still showing. Wait for them to settle. Submitting a closure request with pending items can delay the closure or return the money to a closed account.
Cannot find past statements after closure. Statements can only be downloaded while the account is active. Save them before you request closure.
You have an open Relay Visa® Credit Card. Credit accounts close separately. Follow the credit-card closure article first.
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If this article did not fully answer your question, our Customer Experience team is here to help.