Business banking built for agencies & consultants

Relay is an online banking and money management platform built to keep your business on the money. Apply for an account in minutes.

Why Relay

Built for Growing Businesses

Get unparalleled clarity into operating expenses, cash flow and every transaction.

• Open up to 20 individual business checking accounts
• Issue 50 virtual or physical Visa debit cards to your team
• Collect payments from PayPal, Stripe, Square and more
• Payments via ACH transfers, check and wire
• Get personalized customer support when you need it
• Schedule recurring payments to put expenses on autopilot

As a digital marketing agency, it was important for me to separate client ad funds from other business transactions and Relay allows me to do that for free. Honestly, I can't recommend them enough. I've had a great experience!

Bobbie
source: Trustpilot

Stick to your budget

Relay helps you manage revenue and expenses with dedicated checking accounts for anything: income, profit, taxes, marketing, or contractor payments. Stay on track by allocating cash to any account on a percentage or dollar basis.

Understand each transaction

With Relay, it’s easy to stay on top of what’s happening in your business. Every transaction is accompanied by detailed data like who made each purchase, the vendor’s website, address, phone number, and industry category.

Get unlimited payments

Get your payees to upload their own payment details so you can send them checks and next-day ACH transfers for free.

Speed up accounting

Sync all incoming and outgoing transactions with QuickBooks Online, Xero, Wave, or Freshbooks. Get detailed data on each transaction and speed up your accounting by 5x.

What small businesses are saying about Relay

Relay has been great for my growing business.

"Relay has been great for my growing business. Having the ability to separate funds into different accounts is a very valuable feature. Relay is easy to use and makes me feel secure in my business finances."

Gabrielle Jones
Owner at Steady

Great Experience!

"We have had a great experience with Relay and I plan to use this for my businesses moving forward. It makes it very easy to add accounts, cards, users, vendors, etc. I can separate our cash with certain projects or initiatives so that our budgets are already set. All around, very solid company that I look forward to working with in the coming years."

Anthony Halsch
CEO at RoxBox Containers & Modifications

I can finally say I LOVE my business banking!

"I can finally say I LOVE my business banking! Relay has given me the flexibility and customer service I know my business deserves. Setup was a breeze, and banking has become FUN! I love the virtual card option, statements are easy to read, customer service is top-tier, and I have not run into ONE SINGLE ISSUE for the past year. Trust me when I say, they're the GOAT of business banking!"

Jibby Bond
Owner at Cultivar

Ready to be on the money?

FDIC insured through Thread Bank2,3 | Visa Zero Liability Protection3

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