Relay is a no-fee, online business banking and money management platform designed to help small businesses take control of their cash flow. With Relay, you can:

• Organize income, expenses and reserves using 20 accounts, including 2 savings accounts with up to 3.00% APY¹
• Issue physical and virtual credit cards⁴ or debit cards³
• Send and receive ACH transfers, wires, and checks
• Print third-party check books with your Relay account and routing number
• Withdraw cash at Allpoint ATMs
• Add cash at Allpoint+ ATMs and at 90K+ Green Dot Network participating retailers
• Collect payment from tools like Stripe, Square, Shopify and more
• Use auto-transfer rules to move cash between accounts automatically
• Give team members and financial advisors secure, role-based banking access
• Get personalized customer support by email
• FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Pass-through insurance coverage is subject to 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. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. The Relay Visa® Debit Card³ 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. The Relay Visa Credit® Card⁴ 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.

Yes! Once your account is approved, you can create up to 20 accounts online with just a few clicks of your mouse. Set up accounts to earmark income for day-to-day operating expenses, payroll, taxes and more. You can automate the transfer of income into each checking account using dollar amounts or percentages. Physical or virtual cards can also be created online by you. Assign cards to the business or a specific team member. Physical cards can be shipped to any US or international address, arriving in 8-10 business days. Virtual cards can be used as instantly as they are created. You can set daily and monthly spending limits for each card, as well.

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. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. The Relay Visa® Debit Card³ 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. The Relay Visa Credit® Card⁴ 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.

You can deposit and withdraw cash from any Allpoint ATM for free. There are over 55,000 Allpoint ATMs across the United States. You can also use any ATM in the world without getting charged a fee by Relay. However, it’s likely that the owners of out-of-network ATMs will charge you a withdrawal fee. Relay Visa® Credit Cards⁴ cannot be used to withdraw cash.

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. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. The Relay Visa® Debit Card³ 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. The Relay Visa Credit® Card⁴ 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.

Checks can be deposited in your account using the Relay mobile app (available on iPhone and Android).

You can write checks from our web and mobile applications, and we’ll send them to the recipient on your behalf. You can also print third-party check books with your Relay account and routing number. To access third-party check writing you must fund your Relay account with a minimum of $100.

We recommend using digital payment like ACH or wire if possible. They’re cheaper, faster and better for the environment!

You can add cash at any Allpoint+ ATM for free, or at 90K+ Green Dot Network participating retailers for a fee up to $4.95 USD. Limits apply. Keep your receipt as proof of your transaction.

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. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. The Relay Visa® Debit Card³ 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. The Relay Visa Credit® Card⁴ 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.

Yes! Relay is the official banking platform for Profit First Professionals and is built to keep you on track with the Profit First method. That’s because each business gets:

• Up to 20 real checking accounts (not just envelopes) with no hidden fees or minimum balance requirements.
• The ability to give each checking account a unique nickname (i.e., Income, Profit, Owner’s Pay, Taxes, Operating Expenses)
• Percent-based transfers between checking accounts
• Auto-transfer rules that can automate your Profit First allocations on a daily, weekly, twice-monthly or monthly basis
• Secure collaboration features that make it easy to get coaching from a Certified Profit First Professional inside Relay

To quote Mike Michalowicz, Creator of Profit First: “Relay is the only banking platform that I know of that supports Profit First right out of the box. It is so easy to set up. I would go to Relay immediately.”

Relay offers 2 savings accounts per business. Savings accounts earn up to 3.00% APY¹ depending on your monthly plan. For more information, see our pricing page. APY is variable and fees may reduce earning.

Absolutely! You can use role-based permissions to provide colleagues and advisors with the exact level of access they need to help with bill payments, debit card³ management, bookkeeping and more. Each invited user will have their own login credentials, protected by two-factor authentication—to keep your banking account and money safe.

Relay is unable to support any business that deals with provisioning and exchanging cryptocurrency, the sale of firearms or weapons, credit repair, privately owned ATMs, money services, unlawful internet gambling and cannabis sales.

Yes! Monthly statements are made available in each Relay account. You can download or email forward statements in the following formats: PDF, CSV and OFX.

You can use Relay on any web or mobile browser! You can also download the Relay mobile app onto your iPhone or Android.

Yes! FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions.²