The Starter Plan is Relay's no-cost banking tier for solo owners and new businesses, with up to 20 checking accounts (up to 10 for sole proprietorships) , two savings accounts, and no monthly maintenance fee.
Who the Starter Plan is for
The Starter Plan is built for owners who want the core of Relay without paying for features they will not use yet.
Solo business owners running one business
New businesses opening their first Relay Account
Owners using Profit First or another cash-envelope method who want multiple checking accounts to separate income, expenses, taxes, and profit
Businesses that send and receive a manageable volume of wires, ACH, and card payments each month
How the Starter Plan works
The Starter Plan gives your business a Relay Account, a Relay Visa® Debit Card, optional Relay Visa® Credit Card, and connections to your accounting tools, all at no monthly maintenance cost.
Sign up for a Relay Account online and complete identity and business verification.
Open up to 20 checking accounts inside your Relay Account to separate money by purpose.
Add up to two savings accounts to earn interest on the money you set aside.
Send and receive money via ACH, wire, or check, and spend using your Relay Visa® Debit Card.
Connect QuickBooks Online, Xero, Gusto, and Plaid or Yodlee to keep your books, payroll, and third-party apps in sync.
What is included in the Starter Plan
The Starter Plan includes every day-to-day banking function your business needs to move money, get paid, and keep the books clean.
Up to 20 checking accounts and two savings accounts
Savings accounts earning 1.11% Annual Percentage Yield*
The Relay Visa® Credit Card with 1.00% cash back* on eligible purchases
Bill Pay, Expense Management, and Invoicing
Connections to QuickBooks Online, Xero, Gusto, and Plaid or Yodlee
Customer support Monday to Friday, 9:00 AM to 8:00 PM ET, by chat, phone, or email
What is not included in the Starter Plan
Some features are reserved for the Grow Plan and Scale Plan, which carry a monthly subscription fee.
Partial bill payments
Cash Insights, Relay's cash flow forecasting view
Priority "skip the line" customer support
Partner perks and referral rewards
What are the fees on the Starter Plan?
The Starter Plan has no monthly maintenance fee. Per-transaction fees apply to specific money movement services, as listed below.
Service | Fee |
Same-day ACH transfer | $5 per transfer |
Outgoing domestic wire | $8 per wire |
Outgoing international wire (Local Network) | $5 per wire |
Outgoing international wire (SWIFT) | $25 per wire |
Incoming wire transfer | $5 per wire |
Accepting credit card payments on Invoices or Quick Requests | 2.9% + $0.30 per transaction |
Pay-by-Bank (ACH Pull) on Invoices or Quick Requests | 1.00%, capped at $10 |
How do I sign up for the Starter Plan?
You sign up for the Starter Plan from relayfi.com in a single online application; most applications receive a decision within one business day.
Go to relayfi.com and select Open an account.
Enter your business details, including entity type, EIN, and legal address.
Verify your identity with a government-issued ID.
Choose the Starter Plan during setup.
Fund your first checking account by ACH transfer, wire, check deposit, or debit card.
How do I upgrade from the Starter Plan later?
You can upgrade from the Starter Plan to the Grow Plan or Scale Plan at any time from your Relay Account settings, and the new plan features become available as soon as the upgrade is confirmed.
Related articles
Talk to our Customer Experience team
If this article did not fully answer your question, our Customer Experience team is here to help.