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.
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
Fast and Easy!
As a freelance music artist with an extremely unpredictable schedule, finding a bank that can handle my unusual financial situation was a nightmare. Relay as fast, easy, and has extremely generous daily limits! It has solved many headaches for me!
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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Financials
Really like the auto split, what would be a game changer as if we can simply see money in money out across all accounts, and on individual accounts. If there was Smart categorization as well that would be pretty epic.
Perfect
Perfect bank for starting a business
Great
Great app
Great for small start-ups
Relay is free and a great place to start for small start-ups. Payments, Card usage, moving money and invoicing are a piece of cake. I’d recommend it to small businesses looking for free great banking services.
Stay away and save yourself a bunch of lies
I signed up for my small business and this was a huge regret. I received a check from one of my customers (Governors Office) and the check was official. I reached out to customer service to get a deposit increase and was advised it would take 2 days and then went on to 3 days and then I was told the compliance team was reviewing my request. After numerous run around stories I got an email saying there was suspicious circumstances, LOL I first thought, maybe I can lay out my credentials and the impact I have in my industry. It wasn’t worth the effort or time, this is a joke of a bank or financial institution. This was a complete waste of time to sign up with these people. stay away and save yourself from the disappointment.
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Difficulty dealing with fraud on checking account
I’m not sure why I have to have two accounts and it is unclear how one is a debit card account and the other is a checking account that has a credit card I think. First problem is the clarity. Today’s problem is that I have been hacked on my computer and I entered the credit card to pay for something before discovering the fraud. The debit card account was easy to freeze the credit card account that has a balance in savings for checking, does not allow me to designate the people who charge two dollars as a preliminary peak doesn’t let me block them as the first account does. So I suppose I have privileges on one account that I don’t have on the other and I don’t like this I only need one account hence three stars.
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NEED ABILITY TO ADD FUNDS INSTANTLY
GREAT APP. LOVE IT. BUT WE NEED THE ABILITY TO ADD FUNDS VIA DEBIT LIKE FOUND BANKING ASAP. BUSINESS WORKS AT THE SPEED OF LIGHT. 1-3 DAYS IS NOT GOOD! PLEASE ADD THIS FEATURE
Deposit
I have a very bad experience with Relay banking so I request everyone not to work with them. Their service is very poor and dirty.
Tech support faulty app
Locked my cards with an error message that says unable to fetch token for this organization. The A.I chat is useless
