Relay | Business Banking

Relay | Business Banking

Banking.* Bills. Invoices.

3.5K ratings
183 reviews
Free

Details

  • Released
  • Updated
  • March 25, 2020
  • August 10, 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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What's New in Relay | Business Banking

2.45.0

August 10, 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

ADHD Approved!

We moved our banking from a local bank to Relay… tisk tisk

But here’s the thing - we’re in the 21st century. That doesn’t mean “online access” is enough for a business. Having free control of access and movement within the various accounts is necessary - and with Relay, doable.

While I have a couple gripes with customer service and access to a person, the user system excels and let’s my brain do what it needs to do to stay on top of our various goals as a small business. Your banking shouldn’t revolve around a single account where you hope you have enough for such and such. With Relay, you don’t have to live that way.
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Easy

Using Relay makes business easy! It has been a great change from traditional banking.

STAY AWAY

Do not bank with Relay. they closed my account within weeks of opening with them after presenting 0 reasoning behind it. My money was frozen and thousands of dollars I still no longer have access too months down the line. The customer service does not help at all and there is no movement. My money is locked away from me after working hard to get it. Avoid this bank at all costs.
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Worst bank ever

Poor support, trash software, too many limitations, no integration with zelle, no atm, no checks. Customer service is bad, long wait times, will drop call in the middle without call back. They dont care about customers.

VPN!!!

Stop asking for confirm my phone when I use a vpn. Get your security in order. This isn’t my issue

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.