Great way
Great way to do banking. Very happy with the profit first idea. Love how you can separate all accounts and see your profits grow! Been using them now for 8 months. Totally happy. Thanks Relay!
Glitchy after update
After the last update the app is horribly glitchy. It never opens, it just “logs in “
On a loop. I haven’t been able to have the app work in 5 days. I have to go login on the laptop. This needs to be resolved.
On a loop. I haven’t been able to have the app work in 5 days. I have to go login on the laptop. This needs to be resolved.
Banking OK, but App Unstable
I have been trying to open the app for several days now and cannot. It cycles through the login screen over and over and over, each time sending an email with a secure link. I click on the secure link, it starts cycling through again. Also, the app detects whether you’re not on your home WiFi, and makes you jump through extra hoops when you’re away, traveling, etc. At the end of the day, to get anything done, you’re going to have to power up your Mac or PC and log in on the web, if you want to get a my thing done.
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Silently Deactivated my account without contact
They Closed My Business Account and Never Told Me.
Do not bank here.
I opened a Relay account for my LLC in May. Did everything right. Set it up properly, shared my routing number with clients including a major corporate partner, got my team ready to receive their first payments. Relay looked like the real deal.
When it finally came time to process that first payment, my account was locked. No explanation on the screen. No email in my inbox. Nothing.
When I finally spoke with a real agent, they told me: "Your account was offboarded on July 23 after raising compliance flags. This stands as their final verdict. Your account can no longer be reactivated."
July 23. I found out August 28. They closed my business account over a month before I even knew it happened. I was out here sending clients my banking info, building out payroll, preparing to get my team paid, all while Relay had already silently pulled the plug and said nothing.
Not one email. Not one phone call. Not one text message. Total silence.
My clients had to be notified that the banking info I sent them was no longer valid. My team's pay got delayed. And when I pushed for answers, Relay told me the investigation could take up to 45 days and the decision was final with no appeal.
This is not a fintech glitch. This is a company that made a decision affecting my entire operation and chose to say nothing. One email on July 23 would have changed everything. Instead they stayed quiet and let me walk straight into the wall.
If your business depends on getting paid and paying your people, Relay is a liability you cannot afford. They will smile through the onboarding and ghost you when it counts.
Zero accountability. Zero communication. Stay far away.
Do not bank here.
I opened a Relay account for my LLC in May. Did everything right. Set it up properly, shared my routing number with clients including a major corporate partner, got my team ready to receive their first payments. Relay looked like the real deal.
When it finally came time to process that first payment, my account was locked. No explanation on the screen. No email in my inbox. Nothing.
When I finally spoke with a real agent, they told me: "Your account was offboarded on July 23 after raising compliance flags. This stands as their final verdict. Your account can no longer be reactivated."
July 23. I found out August 28. They closed my business account over a month before I even knew it happened. I was out here sending clients my banking info, building out payroll, preparing to get my team paid, all while Relay had already silently pulled the plug and said nothing.
Not one email. Not one phone call. Not one text message. Total silence.
My clients had to be notified that the banking info I sent them was no longer valid. My team's pay got delayed. And when I pushed for answers, Relay told me the investigation could take up to 45 days and the decision was final with no appeal.
This is not a fintech glitch. This is a company that made a decision affecting my entire operation and chose to say nothing. One email on July 23 would have changed everything. Instead they stayed quiet and let me walk straight into the wall.
If your business depends on getting paid and paying your people, Relay is a liability you cannot afford. They will smile through the onboarding and ghost you when it counts.
Zero accountability. Zero communication. Stay far away.
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Terrible company
Do NOT think that you can use Relay as your small business bank. Unless you run some tiny Etsy business with a handful of hundreds in monthly revenue, Relay is entirely unsuitable for small business use. You will be hounded for every check deposit to upload your customer contracts, private correspondence, text messages, etc. All simply to do a mobile deposit for a paper check. Funds will be tied up for a week or more as they treat you like you are some international drug lord laundering money.
Terrible customer service. Terrible for small business use. Terrible in responding to very routine banking actions. Avoid at all costs.
Terrible customer service. Terrible for small business use. Terrible in responding to very routine banking actions. Avoid at all costs.
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Great for quick reference!
This banking app is comparable to most major banks, and it’s very easy to navigate. Kudos to the designers for a streamlined look and feel!
The only reason I’m giving it 4 stars is that there is no way to access, create, or review invoices in the app. You must use a browser. I utilize Relay for my invoicing and payment platform, so I need to regularly access those features. It would be great to have that in-app so I don’t have to transition to my computer.
Other than invoicing, I highly recommend!
The only reason I’m giving it 4 stars is that there is no way to access, create, or review invoices in the app. You must use a browser. I utilize Relay for my invoicing and payment platform, so I need to regularly access those features. It would be great to have that in-app so I don’t have to transition to my computer.
Other than invoicing, I highly recommend!
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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
