Managing Your Account

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Articles in Managing Your Account

Why Relay Needs You to Confirm Your Business DetailsRelay may ask certain business owners to confirm a few details about their business. This is part of a required business verification update from Relay’s…UpdatedJuly 8, 2026
Logging in to your Relay accountYour Relay account can be accessed via your desktop and mobile browser or the Relay mobile app. Accessing your account via desktop To log into your Relay…UpdatedApril 27, 2026
Accessing your 1099-INT1099-INTs are tax forms that you can use when filing your taxes to ensure the interest you have earned from your savings accounts is accurately accounted…UpdatedApril 27, 2026
Understanding your available balance, running balance, and pending transactionsFinancial clarity is essential to any small business. That clarity starts with knowing how much money you have available to spend, and how much is tied up…UpdatedApril 27, 2026
Running a W-9 reportIf you have been collecting W-9s throughout the year and would like to make tax season easier, Relay allows you to run a W-9 report to help you fill out…UpdatedApril 27, 2026
Reordering your checking or savings accountsOnce logged into Relay on your desktop, you will have the ability to easily reorder your checking or savings accounts within your dashboard! Please note…UpdatedApril 30, 2026
Downloading a bank verification letter (void check or direct deposit form)Download a Relay bank verification letter (void check / direct deposit) { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type":…UpdatedApril 30, 2026
How to update your business ownership or beneficial owners in RelayIf your business ownership structure has changed, you will need to contact us to add/remove Beneficial Owners and adjust ownership percentages as needed.…UpdatedApril 30, 2026
Downloading and emailing bank statementsThis article will walk through how to view, download, and email bank statements on Relay. How to download bank statements Web Mobile Sign in to your Relay…UpdatedMarch 19, 2025
Deleting a checking or savings accountThis article will walk through the steps to delete an individual checking or savings account within your Relay business account. Please note that accounts…UpdatedApril 27, 2026
Logging out of your Relay accountFor your account security, it is always recommended that you log out of your Relay account when you're not using it. How to log out Web Mobile If logged…UpdatedOctober 28, 2024
Closing your Relay accountRelay customers cannot close their accounts online; if you would like to close your account in full, you will need to contact our Customer Experience team…UpdatedJuly 31, 2024

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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.