First-30-Days Success Plan

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Articles in First-30-Days Success Plan

How to Switch Your Business Financial Management to RelayThis checklist walks you through switching your business finances to Relay, covering deposits, cards, invoicing, and every connected business tool that…UpdatedAugust 11, 2026
Getting Started with Bill Pay in RelayBill Pay is Relay's built-in accounts payable tool. Upload invoices, route them for approval, and pay vendors by ACH, check, or wire from one dashboard.UpdatedAugust 11, 2026
How to Update Your Business Tools After Switching to RelayAfter you open your Relay Account, replace your old routing, account, and debit card details on every third-party app that pulls or pushes money for your…UpdatedAugust 11, 2026
Getting Started With Expense Management in RelayRelay's Expense Management tools collect receipts, categorize card spend, and sync transactions to your accounting software, and they're included on every…UpdatedAugust 11, 2026
How to Set Up Payroll on RelayYou can run payroll from a Relay checking account by connecting Relay to a payroll provider like Gusto, Patriot, or ADP Run, typically in 5 to 10 minutes.UpdatedAugust 11, 2026
Getting Started With Relay InvoicesRelay Invoicing is a built-in tool for creating branded invoices, accepting card, ACH, wire, or Pay by bank payments, and tracking payment status inside…UpdatedAugust 11, 2026
How to Set Up Your Customized Switching Checklist in RelayRelay generates a customized switching checklist that lists every recurring transaction tied to your linked external account, so you know exactly what to…UpdatedAugust 11, 2026
Getting Started With Relay's Quick Request FeatureQuick Requests let you collect payment from a customer by sending a shareable link they can pay by card, ACH, wire, or a Plaid-connected bank account.UpdatedAugust 11, 2026
How to Use Relay's Setup ChecklistRelay's setup checklist guides admins and super-admins through the account-setup tasks that unlock day-to-day banking, from funding your Relay account to…UpdatedAugust 11, 2026
Overview of Relay Subscription PlansRelay offers three subscription plans (Starter Plan, Grow Plan, and Scale Plan) with different Annual Percentage Yield rates, credit card cash back rates,…UpdatedAugust 11, 2026
What Is the Relay Visa® Credit Card?The Relay Visa® Credit Card is a charge card built for U.S. small businesses that pays up to 1.5% cash back and reports payment activity to major…UpdatedAugust 11, 2026
How to Register a Second Business with the Same LoginYou can register multiple businesses to a single Relay login. Each business needs its own EIN, formation documents, and application approval to open a…UpdatedAugust 11, 2026
How to Use Relay's Card Switching ToolRelay's card switching tool updates your saved payment method on merchant profiles like Amazon and Uber, so recurring subscriptions and one-off purchases…UpdatedAugust 11, 2026

What is Relay

Business checking
Business savings
Profit First banking
Accounts payable
Expense management
Invoices
Payment Requests
Pricing
Integrations
Xero
QuickBooks Online
Gusto
Plaid & Yodlee

Accountants & Bookkeepers

Partner program
Get certified
Guides
Accounts payable
Data security
Growth playbook
Becoming a cash flow advisor

Resources

Everyday business blog
Advisor directory
Advisor hub
FAQs
Bi-weekly webinar
Support center
Banking for real estate investors
Banking for e-commerce
Banking for home services
Banking for agencies
Banking for auto repair shops
Banking for project-based businesses
Banking for HVAC businesses
Banking for general contractors
Switch to Relay
Cash Flow Compass

Company

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Careers
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Why Relay
Trust Center
Safety & Security

Legal

Terms of Service
Privacy Policy
Deposit Agreement
Savings Account Agreement
Cardholder Agreement
Electronic Communications Agreement
Relay Visa® Credit Card Cardholder Agreement
Visa® Signature Card Rewards Program Terms & Conditions

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.