Business banking built for auto repair shops.

Techs on the clock. Parts on order. Bills on autopay. And Relay on top of every dollar.

• Open up to 20 checking accounts
• Pay suppliers by ACH or wire
• Issue debit cards³ to your team
• No hidden or overdraft fees

FULL BAYS DON’T ALWAYS MEAN CLEAR BOOKS.

Relay organizes your cash in one place, so you can stop guessing what's safe to spend and stay in control—from anywhere.

Put every dollar in its place.

Up to 20 checking accounts1

Keep payroll, taxes, profit, and operating expenses organized and visible in real time.

Automatic transfer rules

Allocate incoming deposits by percentage or dollar amount. Set it once, it runs itself.

Up to 50 Visa® debit cards3

Issue physical and virtual cards with spending controls by amount, category, or merchant.

Built-in expense tracking

Capture receipts and categorize every card transaction automatically, right in Relay.

Multiple payment methods

Forward invoices by email, then pay via ACH, same-day ACH, wire, or mailed check.

Payment approval rules

Make sure the right person reviews the right payments before they leave your account.

Connect to your tools.

Relay syncs directly with QuickBooks, Xero, and Gusto so transactions, receipts, and payroll stay current without the back-and-forth.

Collaborate with your team.

Add your office manager, bookkeeper, or CPA with custom permission levels. They get what they need. You see everything.

Get started in minutes

Easy sign up No credit check No minimum balance No hidden fees

Your questions, answered.

What is Relay?

Relay is digital banking built to give small business owners the tools and know-how to be great with money. By connecting accounts, cards, bills, invoices, capital, and more together in one place, Relay replaces financial guesswork with real visibility, helping owners turn cash flow from a constant source of stress into a signal they can use to run stronger, more resilient businesses.

Can I create separate accounts for parts, payroll, taxes, rent, and profit?

Yes. With Relay, you can open up to 20 dedicated checking accounts and automatically separate money based on what it’s for. That way you always know what cash is available and what’s already spoken for.

Can I give my employees their own cards?

Yes. Relay lets you issue physical and virtual Visa® debit cards3 with built-in controls, so employees can buy parts, fuel, tools, or supplies without giving them access to all of your business funds. You can manage spending more clearly and keep shop purchases easier to track.

Can Relay help auto repair shops pay vendors and suppliers?

Yes. Relay helps small businesses manage bills and pay vendors from one platform. Auto repair shops can use Relay to organize, approve, and pay bills by ACH, wire, or check, making it easier to stay on top of parts suppliers, rent, insurance, and other recurring expenses.

Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC.