THE OFFICIAL BANKING PLATFORM FOR PROFIT FIRST
Together, Profit First and Relay ensure that every dollar is allocated according to plan—be it paying down debt, reinvesting in your business, or taking a profit.
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 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 credit cards are accepted. Terms and conditions apply for sign up bonus.
No accounts fees or minimum balances
READY TO BE ON THE MONEY?
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, Stripe, Square and more.
SEE YOUR CASH FLOW
CLEAR AS DAY
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.
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 3.76% APY1, and you can open up to 2 savings accounts per business.
KIND WORDS FROM OUR COMMUNITY
BEYOND THE BUSINESS BANKING BASICS
No account fees, overdraft fees or minimum balances
Up to 20 individual checking accounts
2 savings accounts with up to 3.76% APY1
Direct integrations with QuickBooks Online and Xero
Payments via ACH transfer, wire and check
50 virtual or physical Visa® debit cards
Relay makes it easy to understand precisely what you’re earning, spending and saving so you can make the smartest decisions for your business.
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Earmark the essentials
Use up to 20 checking 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.
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WHAT 'ON THE MONEY' FEELS LIKE
Bookkeeping doesn’t give you a headache
Relay directly syncs comprehensive data for in- and outgoing transactions to QuickBooks Online and Xero for simple, speedy and meticulous bookkeeping.
Tax season doesn’t keep you up at night
Picture it. All transactions are neatly reconciled at month-end. There’s no need to chase contractors for W-9 forms. And you’ve been saving throughout the year for your tax bill.
You know where every dollar is going
Take the grind out of expense tracking with ultra-detailed data. Relay cleans and standardizes vendor names, pre-categorizes card purchases and keeps a record of team spending.
You can delegate money management
Role-based user permissions allow your accountant, bookkeeper and team members to help with bookkeeping, bill payments and other day-to-day banking tasks.
Your money — protected
FDIC insurance is available for funds on deposit through Thread Bank.2 Your cards are also covered by the Visa® Zero Liability Protection Policy.
FDIC Insurance up to $3M available for funds on deposit via Thread Bank, Member FDIC2
Visa® Zero Liability Protection
Two-factor authentication and biometric security
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.
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Relay Financial Technologies, Inc. © 2025
"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
Visa® Zero Liability Protection
Welcome to Relay
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