Digital

Relay Business Checking

by Relay

Relay is a no-fee online business banking platform designed for small businesses. It offers up to 20 individual checking accounts for profit-first budgeting and team expense management.

⭐ 4.5/5.0 (1,200 reviews)15+ integrations
Open Account →FDIC Insured
Monthly FeeFree
Free Transactions5,000/mo
Min. Opening DepositNone

Transfer Fees

Domestic Wire$5
International Wire$30
ACH TransferFree

Features

✓Mobile App
✓Mobile Deposit
✗Cash Deposits
✗Physical Branches
✓ACH Transfers
✗International Wires
✓Accounting Integrations
✓Sub-Accounts
✗Invoicing
✓Debit Card
✗Check Writing

Overview

Relay is a no-fee online business banking platform designed for small businesses. It offers up to 20 individual checking accounts for profit-first budgeting and team expense management.

Why we like it

Up to 20 free checking accounts for budget allocation, plus unlimited free ACH transfers and great QuickBooks integration.

Who Is This For?

Small businesses using profit-first method

Standout Features

  • 20 Checking Accounts
  • Profit-First Budgeting
  • Auto-Transfers
  • Team Cards

Pros and Tradeoffs

Pros

  • No monthly fees
  • Up to 20 checking accounts
  • Great for profit-first budgeting
  • Real-time expense tracking

Tradeoffs

  • No physical branches
  • No cash deposits
  • No international wires
  • No interest on balances

Ratings

NerdWallet4.5/5.0
Total Reviews1,200

Key Integrations

QuickBooksXeroGustoFreshBooks

+ 11 more integrations available

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