How Relay adds up
Relay
All the business banking essentials without a monthly fee.
Bank without account fees, overdraft fees or minimum balances
Create up to 20 individual checking accounts (including 2 savings accounts)
Issue 50 virtual or physical Visa® Debit Cards
Payments via ACH transfer, check and wire
Deposit and withdraw cash at Allpoint ATMs
Integrate with QuickBooks Online and Xero
Relay Pro
Everything in Relay… plus accounts payable, faster ACH and free wire payments.
Get faster, same-day ACH and free outgoing wires
Auto-import bills from QuickBooks Online or Xero
Review, approve and pay all bills in one dashboard
Create single- or multi-step approval rules for bill payments
Consolidate payments to the same vendor into a single transaction
Which Relay is right for you?
| Core Banking | Relay | Relay Pro |
|---|---|---|
| Monthly checking account fees | $0 | $0 |
| Minimum balance | $0 | $0 |
| Overdraft fees | $0 | $0 |
| Bounced checks | $0 | $0 |
| Number of checking accounts | 20 | 20 |
| Number of savings accounts | 2 | 2 |
| Recurring transfers between checking accounts |  | |
| Percentage-based auto-transfer rules | | |
| Number of physical or virtual Debit Visa® | 50 | 50 |
| Cash deposits and withdrawals at AllPoint ATMs | $0 | $0 |
| Secure, role-based access for team members | | |
| Spending limits for team members | | |
| 24/7 customer support | | |
| Sending & Receiving Funds | Relay | Relay Pro |
|---|---|---|
| In- and outgoing ACH transfers | $0 | $0 |
| ACH delivery times | 1-2 Days | Same Day |
| Mobile check deposits | | |
| Mailed check payments | | |
| Outgoing domestic wires | $5 | $0 |
| Incoming domestic wires | $0 | $0 |
| Outgoing international wires | $10 | $0 |
| Incoming international wires | $0 | $0 |
| Currency exchange for outgoing international wires | | |
| Integrations | Relay | Relay Pro |
|---|---|---|
| QuickBooks Online | | |
| Xero | | |
| Gusto | | |
| Plaid | | |
| Yodlee | | |
| Receipt management | Relay | Relay Pro |
|---|---|---|
| Receipt collection policy | | |
| Receipt upload via mobile and desktop | | |
| Email forwarding of receipts | | |
| SMS receipt reminders at time of purchase | | |
| Accounts Payable | Relay | Relay Pro |
|---|---|---|
| Auto-import bills from QuickBooks Online & Xero | - | |
| One intuitive dashboard to review, approve and pay bills | - | |
| Automated, multi-step bill approval rules | - | |
| Consolidated payments to a vendor into one transaction | - | |
| One-click reconciliation for paid bills in QuickBooks Online and Xero | - | |
| Accountants & Bookkeepers | Relay | Relay Pro |
|---|---|---|
| Client portal | | |
| Role-based access for firm staff | | |
| Partner Program | | |
| Banking Partner Certification | | |