Special offer for the Thanks for Visiting Community: Get $50 when you fund a Relay account.

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Offer applies to users who do not yet have a Relay account. Offer requires that you deposit at least $100 into your Relay account, after which $50 will be deposited by us into your Relay account. For clarity, after the deposit of $100 into your Relay account to comply with this offer, Relay does not require a minimum balance in your Relay account.

FDIC insured via Thread Bank and Evolve Bank & Trust2,3


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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.


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 1-3% APY1, and you can open up to 2 savings accounts per business.



No account fees, overdraft fees or minimum balances

Up to 20 individual checking accounts

2 savings accounts with 1-3% 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.




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.



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

Feel safe knowing that FDIC insurance is provided through Thread Bank and Evolve Bank & Trust.2,3 Your cards are also covered by the Visa® Zero Liability Protection3 Policy.

FDIC insured via Thread Bank and Evolve Bank & Trust2,3

Visa® Zero Liability Protection3

Two-factor authentication and biometric security

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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.



Relay is a financial technology company, not an FDIC-insured bank. Banking services and FDIC insurance are provided through Thread Bank2,3 and Evolve Bank & Trust; 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.

1 The interest rates and annual percentage yield on your account are accurate as of 05/16/23 and are variable and subject to change based on the target range of the Federal Funds rate. APY will vary between 1-3% depending on the balances held. Earn 1% APY on savings balances of less than $50,000, 1.5% APY on savings between $50,000 and $250,000, 2% APY on savings balances between $250,000 and $1,000,000 and 3% APY on savings balances of more than $1,000,000. There are no minimum balances or minimum deposits required to earn interest on your account.

2 Your deposits qualify for up to a maximum of $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at and a list of program banks at Please contact with questions on the sweep program. 

Payment services (non banking/checking accounts or services) are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: The Steward Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199). In the US Currency Cloud operates in partnership with CFSB. CFSB fully owns the bank program and services are provided by The Currency Cloud Inc.

3 Please note that funds relating to Currencycloud's services are not FDIC insured or protected by the Visa Zero liability protection policy. In regards to Currencycloud's services when funds are posted to your account, e-money is issued in exchange for these funds, by an Electronic Money Institution who we work with, called Currencycloud. In line with regulatory requirements, Currencycloud safeguards your funds. This means that the money behind the balance you see in your account is held at a reputable bank, and most importantly, is protected for you in the event of Currencycloud’s, or our, insolvency. Currencycloud stops safeguarding your funds when the money has been paid out of your account to your beneficiary’s account.

Relay Financial Technologies, Inc. © 2023

"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 Protection3

Welcome to Relay