Setting up and managing received payments

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Articles in Setting up and managing received payments

How to Activate Receiving International WiresTo activate the ability to receive international wire payments (incoming international wires), we’re required to collect additional information about your…UpdatedAugust 5, 2026
How to Deposit a Check Using the Relay Mobile AppYou can deposit U.S. checks directly into your Relay account using the Relay mobile app. This guide walks you through the process and includes important…UpdatedJune 16, 2026
Receiving an ACHTo receive an ACH payment into your Relay account, you will need to provide your specific account information to the sender. This article provides…UpdatedApril 27, 2026
Receiving a domestic wireTo receive a domestic wire payment into your Relay account, you will need to provide your specific account information to the sender. This article…UpdatedApril 29, 2025
Receiving an international wireWith Relay, you can receive incoming international wire transfers into your Relay checking account using either the SWIFT network (USD + other currencies)…UpdatedMay 19, 2026
Adding cash to your Relay accountRelay offers two convenient methods to add cash to your account. Read on to learn more! Adding cash at an Allpoint+ ATM With your Relay Visa debit card,…UpdatedJune 3, 2026
Which names can I receive ACH, wire, or check payments under?Incoming payments—including ACH transfers, domestic and international wires, and check deposits—must be sent to a valid name on file with Relay. This…UpdatedApril 30, 2026
Can Relay accounts hold non-USD currencies?Relay accounts cannot hold non-USD currencies at this time. As such, all funds held in your Relay account will be in USD. Can I still receive non-USD…UpdatedJanuary 12, 2026
Accepting card payments on RelayRelay makes it easy for small businesses to accept online card payments using our built-in Quick Requests and Invoices features. These tools are ideal for…UpdatedJuly 22, 2026
Why was my check deposit rejected?Finding the rejection reason You can find the details about why your check deposit was rejected by logging in to your Relay account and clicking on the…UpdatedApril 27, 2026

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Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. FDIC insurance available for funds on deposit through Thread Bank, Member FDIC. Certain conditions must be satisfied for pass-through FDIC insurance to apply.²

1. For Relay Subscription Plans with an interest-bearing deposit account, the interest rate and Annual Percentage Yield on your account are accurate as of 5/1/2026 and are variable and subject to change based on the target range of the Federal Funds rate. Fees may reduce earnings:

When you are subscribed to the Starter Plan, the interest rate on your savings accounts is 1.10% with an APY of 1.11%.
When you are subscribed to the Grow Plan, the interest rate on your savings accounts is 1.74% with an APY of 1.75%.
When you are subscribed to the Scale Plan, the interest rate on your savings accounts is 2.96% with an APY of 3.00%.

2. Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions on the sweep program. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

3. The Relay Visa® Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa debit cards are accepted.

4. The Relay Visa® Credit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc and may be used anywhere Visa credit cards are accepted.

*Terms and conditions apply to the cash back rewards program. Monthly cash back rewards will be automatically deposited into your Relay checking account within 30 days of the end of the credit card billing cycle. ATM transactions, the purchase of money orders or cash equivalents made with your Relay Visa® Credit Card⁴ are not eligible for cash back. Please refer to the Visa® Signature Rewards Program Terms & Conditions for more details.

**Relay is not affiliated with SoFi, or OnDeck, and Relay's privacy and security policies may differ from SoFi's, and OnDeck's, privacy and security policies. Relay will be paid a fee from SoFi, and OnDeck if you obtain a product through either of these links. All rates, terms, and conditions vary by provider. Approval for a loan is not guaranteed.

5. International payment services are provided by Community Federal Savings Bank (“CFSB”), a federal savings bank chartered in the United States. These services are facilitated by Nium, Inc., which operates under a program sponsored by CFSB. Relay provides access to these payment services through its platform.

6. All testimonials, reviews, opinions or case studies presented on our website may not be indicative of all customers. Results may vary and customers agree to proceed at their own risk.