Relay | Business Banking

Relay | Business Banking

Banking.* Bills. Invoices.

3.5K ratings
177 reviews
Free

Details

  • Released
  • Updated
  • March 25, 2020
  • August 4, 2026

Features

Relay | Business Banking screenshot #1 for iPhone
Relay | Business Banking screenshot #2 for iPhone
Relay | Business Banking screenshot #3 for iPhone
Relay | Business Banking screenshot #4 for iPhone
Relay | Business Banking screenshot #5 for iPhone
Relay | Business Banking screenshot #6 for iPhone
Relay | Business Banking screenshot #7 for iPhone
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About

This online business banking platform offers small business owners comprehensive control over their cash flow. It provides multiple checking accounts for expense segregation, customizable debit and credit cards with spending policies, and various payment options including ACH, wires, and checks. The app also features automated money management tools and offers rewards on purchases and interest on savings.

20 checking accounts for expense segregation
Multiple debit/credit cards with spend policies
1.5% cash back on credit card purchases
Savings accounts with up to 3.00% APY
ACH, wire, and paper check payments
Automated money transfer rules
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What users say

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+1

What's New in Relay | Business Banking

2.44.0

August 4, 2026

This release makes it easier for teams to manage money together. You can now write checks across multiple accounts, with a guided setup that walks you through limits, security, and admin assignments, along with a dedicated checkbooks settings tab and an easy way to order more checks. Managing money across accounts is simpler too, with reusable split-deposit templates, instant validation, and cross-org transfers between your accounts. We've also added payment approvals, so you can review pending and rejected transactions, send payments for approval directly from bill pay, and set up approval rules that fit your team. Alongside this, we've made it easier to manage your team's access by letting you reassign users to custom roles and offering helpful guidance when inviting new members. Finally, this update brings more control over your cards and accounts—freeze a card, edit nicknames, update account details, and view transactions—plus a new notification option for check approvals and a range of design and usability improvements to make everyday tasks feel smoother.

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User reviews

Constant issues

The app has only worked briefly since downloading it. Now, after opening the app, I get stuck on the green screen that says “relay”. Will never load past that. I’m having to login to my browser constantly, which is frustrating. I’ve done all the troubleshooting I can, including deleting and reinstalling.
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Running multiple businesses

They try to make it easy when you have multiple businesses to run!!

Horrible and slow

This has been the worst banking experience I’ve ever had as a business. I signed up because I liked the ability to have multiple account accounts connected to one to account for separate departments, perfect! BUT- they take 7+ BUSINESS DAYS to process deposits and if you ask for a supervisor they put you on ETERNAL HOLD. Can hardly understand who you’re speaking with and they are RUDE. Not worth it! Going back to local credit union. I read on Reddit today people even have accounts and funds frozen for no reason. Not worth the risk! And it’s actually Thread Bank backing it. This is a fintech front.
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Run the other way

I tried this bank for my business because I was recommended this bank. I haven’t even had this account for more than 3 months and while I’m working I check my account to see they allowed a $200 fraud charge from Kuwait into my business account. The very money that was needed for my supplies. Without reaching out or flagging it (because I never made any international purchases either) they just processed the payment. I had to wait the day after to call them just for them to tell me that a temporary credit would be coming on my account in 2 weeks - even though the money was taken out asap - so it’s been a couple days and I still don’t have a credit or the money that was taken from my account. They also said they don’t do any correspondence by email only by mail and it can take up to 3 months for them to process my dispute (as if it’s not already fraud there’s nothing to discuss!!) and if my case comes back as denied then they will reverse the charge so immediately I am so beyond disappointed I missed my rent payment due to the month not being there and $200 that’s rightfully mind I have missing and can not use at all towards my business the way I wanted to. Immediately cancelling after I get the deposit because you should not be offering services to business if you can’t even do a good job at maintaining business accounts!!
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Customer support sucks

I’ve been scammed, someone pulled $53 from my account. When I called Relay and asked for support and spent 45 min on a call they eventually sent me to Visa, saying I need to figure it myself. Also sent an email on how to freeze my card. No 24/7 support, no fraudulent transaction support, basically threw me under the bus and told me to figure myself. No weekend support, no investigation was made, no nothing. I am highly disappointed in Relay service and currently transferring my money to another bank. There is a trade off for convenience, so I would rather be protected by big bank rather than begging for support from these guys. This is not how you support your customers.
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User experience

🐞

Reported Bugs

5 issues

App crashes on iOS 26 update

Bug

Inability to log in after updates

Bug

Transactions not showing up in app

Bug

Accounts being randomly frozen

Bug

Delayed wire transfer processing

Bug

Requested Features

5 requests

Add Zelle integration

Feature

Improve app performance and stability

Feature

Increase deposit and transfer limits

Feature

Allow customization of debit card designs

Feature

Provide better account management tools

Feature

FAQ

What does Relay | Business Banking do?

Relay provides online business banking services designed to give small business owners complete control over their cash flow. It offers features like multiple checking accounts for earmarking funds, customizable debit and credit cards with spending policies, and various payment methods including ACH, wires, and paper checks. The platform also includes automated money management tools and offers rewards and interest on savings.

What are the key features of Relay?

Key features include the ability to create up to 20 checking accounts to separate funds for operations, payroll, and taxes. Users can issue multiple debit and credit cards with built-in spend policies to organize spending by team or project. The app also offers 1.5% cash back on credit card purchases, savings accounts with up to 3.00% APY, and automations for money movement.

Is Relay | Business Banking free to use?

Based on the provided information, the app is listed as 'free'. This suggests that there are no upfront costs or subscription fees to use the core banking services. However, it's always advisable to check the official website for any potential fees associated with specific transactions or services.

Who is the target audience for this app?

This app is designed for small business owners who need a robust and flexible banking solution. It's particularly beneficial for those who want to meticulously organize their spending, manage cash flow effectively, and potentially grow their reserves through interest-earning savings accounts and cash back rewards.

How are funds insured with Relay?

Funds on deposit with Relay are insured up to $3 million through Thread Bank, Member FDIC, via a deposit sweep program. Your deposits at each program bank are eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may hold at that bank in the same ownership capacity.