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Relay

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description Relay Overview

Relay provides an online business banking platform aimed at small businesses and their financial teams. Multi-user access lets an owner involve employees or advisers while assigning permissions suited to their responsibilities. Separate accounts can help organize money for different business purposes, making the platform useful for companies that want clearer visibility into funds reserved for expenses or other needs. Scheduled payments and recurring transfers reduce the need to repeat certain routine banking actions manually.

That includes transfers between a business's own Relay accounts, supporting a deliberate approach to allocating cash. The platform suits owners who manage finances collaboratively and want account organization to reflect how the business operates. Its defining emphasis is practical cash management and controlled access, rather than a promise to automate every complex financial workflow a growing company might have.

help Relay FAQ

Is Relay itself a bank?

Relay is a financial technology company, not a chartered bank. Its banking services are provided through partner banks such as Thread Bank, Member FDIC.

Why do small businesses use Relay instead of one normal checking account?

Relay is built around separating cash into multiple business checking accounts for things like payroll, taxes, operating expenses, and profit. That setup is useful for owners using envelope-style cash management or Profit First workflows.

Can a bookkeeper or team member get access to Relay?

Yes, Relay supports multi-user access with permission controls, so an owner can invite a bookkeeper or employee without handing over the main login. That is one of its core differences from many basic small-business bank accounts.

Does Relay have a paid plan?

Relay has offered a free core plan and a paid Relay Pro plan with extra features such as faster payments and advanced bill pay. Pricing can change, but Relay Pro has commonly been advertised around $30 per month.

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