Special offer for Wave Money Users

Get $100 when you fund a Relay account

We’ve partnered with Wave to help Wave Money users make the seamless transition to Relay, so you can stay in complete control of your cash flow.

Bank with Relay

Terms and Conditions

Relay is a financial technology company, not a bank. Banking services and FDIC insurance provided by Thread Bank; Members FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted.

No hidden fees
No account minimums
No overdraft fees
No withdrawal fees at Allpoint ATMs

See your cash flow clear as day

Relay makes it easy to understand precisely what you’re earning, spending and saving so you can make the smartest decisions for your business.

Bank with no hidden fees or minimum balances that tie up cash
Send unlimited payments and deposits via ACH, wires or checks
Open up to 20 checking accounts to earmark income for operating expenses, payroll or taxes
Integrate banking with Wave Accounting for simple, speedy and meticulous bookkeeping.
Issue up to 50 Visa® physical and virtual debit cards to meticulously organize spending by team or project
Give team members and financial advisors secure, role-based banking access

Relay is a more intelligent and innovative way to manage your money than traditional banking.

Eddie Hollenbeck
Owner at Flapjack Agency

Keeping your business
on the money

Business banking that uncomplicated your finances.

Get the income overview

Collect income in one place to see what you’re working with. Consolidate all of your payments—including ACH transfers, wires, checks and payouts from tools like PayPal, Venmo, Square and more.

Earmark the essentials

Use up to 20 accounts to organize and allocate income for things like day-to-day expenses and payroll. Automate the transfer of income into each account using dollar amounts or percentages.

Save for the future

Use savings accounts to separate and continually contribute to reserves for taxes, investments in your growth and unexpected emergencies. Savings accounts earn up to 3.03% APY¹, and you can open up to 2 savings accounts per business.

Feel in complete control

A crystal-clear picture of your cash flow helps you make more intelligent, more informed decisions about your money—no more overspending or overextending.

Bookkeeping that’s a breeze

Connect banking with Wave Accounting to take the grind out of expense tracking. Relay cleans and standardizes vendor names, pre-categorizes card purchases and keeps a record of team spending.

Make profit a habit

As the official banking platform for Profit First Professionals, Relay keeps you on track with the Profit First method. Open accounts in seconds, set up auto-transfer rules and put allocations on autopilot.