Managing Your Account

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Articles in Managing Your Account

Why Relay Needs You to Confirm Your Business DetailsRelay periodically asks customers to reconfirm business details to meet regulatory requirements from Thread Bank, Member FDIC. Accounts that do not…UpdatedAugust 11, 2026
How to Log in to Your Relay AccountLog in to your Relay account on desktop at app.relayfi.com/login or through the Relay mobile app on iOS or Android.UpdatedAugust 11, 2026
How to Access Your 1099-INT From RelayDownload your 1099-INT from Relay on desktop if your savings accounts earned more than $10 in interest during the tax year.UpdatedAugust 11, 2026
Understanding Your Available Balance, Running Balance, and Pending TransactionsRelay shows three balance views: your available balance (safe to spend), your total balance (including pending outflows), and your running balance (per…UpdatedAugust 11, 2026
How to Run a W-9 Report in RelayRelay's W-9 report lets you download every W-9 you've collected from your payees as a single zip file, ready for 1099 prep in QuickBooks Online, Xero, or…UpdatedAugust 11, 2026
How to Reorder Your Checking or Savings Accounts in RelayYou can change the display order of your Relay checking and savings accounts from the desktop dashboard in about 30 seconds by dragging them into the…UpdatedAugust 11, 2026
How to Download a Bank Verification Letter, Voided Check, or Direct Deposit FormA Relay bank verification letter confirms your account and routing numbers, and it can stand in for a voided check or direct deposit form.UpdatedAugust 11, 2026
How to Update Your Business Ownership or Beneficial Owners in RelayTo update ownership on your Relay Account, contact the Customer Experience team with updated business documents, government-issued ID for new owners, and…UpdatedAugust 11, 2026
How to Download or Email Bank Statements From RelayYou can download statements for any Relay checking or savings account from web or mobile in about a minute, and email them from the web.UpdatedAugust 11, 2026
How to Delete a Checking or Savings Account in RelayDelete an unused checking or savings account from Relay once the balance is $0 and no transactions are pending. The process takes about two minutes on…UpdatedAugust 11, 2026
How to Log Out of Your Relay AccountLogging out of Relay takes two clicks on the web or two taps on the mobile app, and keeps your account secure whenever you step away from your device.UpdatedAugust 11, 2026
How to Close Your Relay AccountClosing your Relay account is done through our Customer Experience team once you have moved your balance out, downloaded the statements you want to keep,…UpdatedAugust 11, 2026

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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.