Relay is a financial technology company and is not a bank. Banking services provided by Thread Bank2, Member FDIC. 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 cards are accepted. 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 everywhere Visa cards are accepted. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions.
Business banking
Team cards & controls
Accounts payable
Long nights, big risks, and tough decisions—giving it your all is what got you here. But as every seven-figure business owner knows, scaling revenue doesn't guarantee profit.
Relay is built for this stage of your journey. Get complete cash flow control with all-in-one banking and expense management that helps you spend smarter, save more, and stay profitable as you grow.
No account fees or minimums that tie up cash flow
1.5% cash back* on credit card spending
20 checking accounts for meticulous organization
All the payments you could need--ACH, check and wire
Savings with up to 3.03% APY1 to help you grow
FDIC insurance up to $3M for funds on deposit2
With more revenue streams and bigger expenses, tracking your cash flow gets harder. Relay gives you complete financial clarity, so you always know what's yours to spend—and what's fueling your growth.
As revenue grows and diversifies, tracking income gets more complex. Relay centralizes all earnings in one place, so you always know what's coming in and can plan with confidence.
Bigger payroll, higher overhead, and growing tax obligations—Relay helps you allocate funds intentionally with dedicated accounts for every key expense.
Manually tracking payments slows you down. Relay automates transfers, keeping funds exactly where they need to be—so shortfalls never catch you off guard.
More people, more purchases—more chances to overspend. Relay puts you in control, ensuring every dollar is spent with intention and accounted for in real time.
No more messy reimbursements or surprise expenses. Issue team debit cards with spending limits, approved vendors, and real-time tracking—so employees get what they need while you stay in control.
When expenses pile up, clarity matters. Relay provides a detailed breakdown of every transaction, categorizes purchases automatically, and keeps receipts organized—no chasing required.
Relay brings banking and bill pay together, giving you a complete view of what’s due and when. Sync with QuickBooks or Xero, set approval rules, and ensure bills are paid on time—without disrupting cash flow.
Scaling a business means more moving parts—more expenses, more transactions, and more financial complexity. Without the right banking setup, you risk spending too much time tracking numbers instead of growing your business.
That’s exactly what Zach Martinucci, founder of Rebel Bread Co., faced before switching to Relay. With 30 employees and a rapidly expanding wholesale and retail operation, he needed a system that worked with his fast-growing business—not against it.
Eliminated 6+ hours of banking admin per month by avoiding branch visits and 1-800 calls.
Gained instant cash flow clarity with multiple checking accounts to separate payroll, taxes, and expenses.
Synced banking with Xero and Gusto to automate bookkeeping and payroll without manual work.
Resolved a $19K payment issue fast with hands-on support that prevented overdrafts and penalties.
More revenue doesn’t guarantee more profit. Relay helps you control expenses and automate savings so you can build reserves, reinvest in growth, and keep your business on solid ground.
Don’t wait to save—automate it. Set up auto-transfers based on percentages or fixed amounts, ensuring funds are always set aside for reinvestment and growth.
Stop dipping into reserves to cover expenses. Dedicated savings accounts keep profit, taxes, and reinvestment funds exactly where they belong.
Put your idle cash to work with up to 3.03% APY1, so your business is always compounding value—even before you reinvest.
Legacy banks weren’t built for modern entrepreneurs. Relay goes beyond banking, giving you the visibility, automation, and control you need to scale profitably—without the roadblocks.
