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 * What is Relay
   
   * * Business checking
       
       Know precisely what you’re earning, spending and saving
     
     * Business savings
       
       Automated savings that earn you up to 3.03% APY1
     
     * Profit First banking
       
       Relay is the official banking platform for Profit First
     
     * Receipt Management
       
       Capture and store receipts for safekeeping
     
     * Accounts payable
       
       Review, approve and pay bills within business banking
     
     * The Relay Visa® Credit Card
       
       Give your business the cash flow cushion it deserves
     
     Integrations
     
      * Xero
        
        Bookkeeping made simple and speedy
     
      * QuickBooks Online
        
        Directly sync ultra-detailed transaction data
     
      * Gusto
        
        Business banking and payroll together at last
     
      * Plaid & Yodlee
        
        Tap networks of money management apps
 * Accountants & Bookkeepers
   
   * * Client banking
       
       The money management platform built for you and your clients
     
     * Get certified
       
       Become a Banking Partner to help your clients bank smarter
     
     * Partner with Relay
       
       Get rewarded and grow your firm with Relay
     
     * Advisor directory
       
       Find an advisor to help you grow your business
     
     Learn
     
      * Becoming a cash flow advisor
        
        Structure and strategies for your firm
     
      * Accounts payable
        
        Offer AP services at your firm
     
      * Gearing Up
        
        Advisors share what makes their firm successful
     
      * Data security
        
        Keep client data more secure
 * Pricing
 * Resources
   
   * * Everyday business blog
       
       Stay on the money with these actionable tools and strategies
     
     * Advisor learning hub
       
       Insights and advice for small business advisors
     
     * Customer Stories
       
       Hear what our customers are saying
     
     * Live webinars
       
       Join us weekly to learn how to manage your cash with Relay
     
      * FAQs
        
        Answers to common questions about Relay
     
      * Support center
        
        Stuck? Step-by-step guides to get answers fast
     
      * Get support
        
        Contact our team for hands-on, friendly help
     
      * Careers
        
        Join a collaborative team helping small businesses thrive

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YOUR
CASH FLOW
CAN BE CLEARER

Relay is small business banking that puts you in complete control of what you’re
earning, spending and saving.

Bank with Relay

Relay is a financial technology company and is not a bank. Banking services
provided by Thread Bank2,3, Member FDIC. The Relay Visa Debit Card is issued by
Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be
be used anywhere Visa cards are accepted. The Relay Visa Credit Card is issued
by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc and may
be used everywhere Visa credit cards are accepted.

FDIC Insurance up to $3M available for funds on deposit via Thread Bank, Member
FDIC2,3

Visa® Zero Liability Protection3


YOUR
CASH FLOW
CAN BE CLEARER

Relay is small business banking that puts you in complete control of what you’re
earning, spending and saving.

Bank with Relay

Relay is a financial technology company and is not a bank. Banking services
provided by Thread Bank2,3, Member FDIC. The Relay Visa Debit Card is issued by
Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be
be used anywhere Visa cards are accepted. The Relay Visa Credit Card is issued
by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc and may
be used everywhere Visa credit cards are accepted.

FDIC Insurance up to $3M available for funds on deposit via Thread Bank, Member
FDIC2,3

Visa® Zero Liability Protection3

FDIC Insurance up to $3M available for funds on deposit via Thread Bank, Member
FDIC2,3

Visa® Zero Liability Protection3




BEYOND THE BUSINESS
BANKING BASICS

No account fees, overdraft fees or minimum balances

 * Up to 20 individual checking accounts

 * 2 savings accounts with up to 3.03% APY1

 * Physical and virtual cards for you and your team

 * Credit cards with 1.5% cash back*

 * Payments via ACH transfer, wire and check

 * Direct integrations with QuickBooks Online and Xero

 * Capture and store receipts for safekeeping


SEE YOUR CASH FLOW
CLEAR AS DAY

Relay makes it easy to understand precisely what you’re earning, spending and
saving so you can make the smartest decisions for your business.

1


GET THE INCOME OVERVIEW

Collect income in one place to see what you’re working with. Consolidate all of
your payments—including ACH transfers, wires, checks and payouts from tools like
PayPal, Stripe, Square and more.


2


EARMARK THE ESSENTIALS

Use up to 20 accounts to organize and allocate income for things like day-to-day
expenses and payroll. Automate the transfer of income into each account using
dollar amounts or percentages.

3


SAVE FOR THE FUTURE

Use savings accounts to separate and continually contribute to reserves for
taxes, investments in your growth and unexpected emergencies. Savings accounts
earn up to 3.03% APY1, and you can open up to 2 savings accounts per business.


4


FEEL IN COMPLETE CONTROL

A crystal-clear picture of your cash flow helps you make more intelligent, more
informed decisions about your money—no more overspending or overextending.

5


MAKE PROFIT A HABIT

As the official banking platform for Profit First Professionals, Relay keeps you
on track with the Profit First method. Open accounts in seconds, set up
auto-transfer rules and put allocations on autopilot.





WHAT ‘ON THE MONEY’
FEELS LIKE

YOU KNOW WHERE EVERY DOLLAR IS GOING

Take the grind out of expense tracking with ultra-detailed data. Relay cleans
and standardizes vendor names, captures receipts from card spend and keeps a
record of team spending.

BOOKKEEPING DOESN’T GIVE YOU A HEADACHE

Relay directly syncs comprehensive data for in- and outgoing transactions to
QuickBooks Online and Xero for simple, speedy and meticulous bookkeeping.

YOU CAN DELEGATE MONEY MANAGEMENT

Role-based user permissions allow your accountant, bookkeeper and team members
to help with bookkeeping, bill payments, third-party check approvals, and other
day-to-day banking tasks.

TAX SEASON DOESN’T KEEP YOU UP AT NIGHT

Picture it. All transactions are neatly reconciled at month-end. There’s no need
to chase contractors for W-9 forms. Receipts are safely captured and organized.
And you’ve been saving throughout the year for your tax bill.




YOUR MONEY — PROTECTED

Feel safe knowing that FDIC insurance is provided through Thread Bank.2,3 Your
cards are also covered by the Visa® Zero Liability Protection3 Policy.

FDIC Insurance up to $3M available for funds on deposit via Thread Bank, Member
FDIC2,3

Visa® Zero Liability Protection3

Two-factor authentication and biometric security


KIND WORDS FROM OUR
COMMUNITY

RELAY HAS BEEN GREAT FOR MY GROWING…

"Relay has been great for my growing business. Having the ability to separate
funds into different accounts is a very valuable feature. Relay is easy to use
and makes me feel secure in my business finances."

Gabrielle JonesOwner at Steady



GREAT EXPERIENCE!

"We have had a great experience with Relay and I plan to use this for my
businesses moving forward. It makes it very easy to add accounts, cards, users,
vendors, etc. I can separate our cash with certain projects or initiatives so
that our budgets are already set. All around, very solid company that I look
forward to working with in the coming years."

Anthony HalschCEO at RoxBox Containers & Modifications



I CAN FINALLY SAY I LOVE MY BUSINESS BANKING!

"I can finally say I LOVE my business banking! Relay has given me the
flexibility and customer service I know my business deserves. Setup was a
breeze, and banking has become FUN! I love the virtual card option, statements
are easy to read, customer service is top-tier, and I have not run into ONE
SINGLE ISSUE for the past year. Trust me when I say, they're the GOAT of
business banking!"

Jibby BondOwner at Cultivar



RELAY HAS BEEN GREAT FOR MY GROWING…

"Relay has been great for my growing business. Having the ability to separate
funds into different accounts is a very valuable feature. Relay is easy to use
and makes me feel secure in my business finances."

Gabrielle JonesOwner at Steady



GREAT EXPERIENCE!

"We have had a great experience with Relay and I plan to use this for my
businesses moving forward. It makes it very easy to add accounts, cards, users,
vendors, etc. I can separate our cash with certain projects or initiatives so
that our budgets are already set. All around, very solid company that I look
forward to working with in the coming years."

Anthony HalschCEO at RoxBox Containers & Modifications



I CAN FINALLY SAY I LOVE MY BUSINESS BANKING!

"I can finally say I LOVE my business banking! Relay has given me the
flexibility and customer service I know my business deserves. Setup was a
breeze, and banking has become FUN! I love the virtual card option, statements
are easy to read, customer service is top-tier, and I have not run into ONE
SINGLE ISSUE for the past year. Trust me when I say, they're the GOAT of
business banking!"

Jibby BondOwner at Cultivar



RELAY HAS BEEN GREAT FOR MY GROWING…

"Relay has been great for my growing business. Having the ability to separate
funds into different accounts is a very valuable feature. Relay is easy to use
and makes me feel secure in my business finances."

Gabrielle JonesOwner at Steady


 * 
 * 
 * 


READY TO BE ON THE MONEY?

Let's bank
Go to home

WHAT IS RELAY

 * Business checking
 * Business savings
 * Profit First banking
 * Accounts payable
 * Receipt management
 * Pricing
 * Integrations
 * Xero
 * QuickBooks Online
 * Gusto
 * Plaid & Yodlee

ACCOUNTANTS & BOOKKEEPERS

 * Client banking
 * Partner program
 * Gearing Up
 * Get certified
 * Guides
 * Accounts payable
 * Data security
 * Growth playbook
 * Becoming a cash flow advisor

RESOURCES

 * Everyday business blog
 * Advisor directory
 * Advisor hub
 * FAQs
 * Bi-weekly webinar
 * Support center
 * Banking for real estate investors
 * Banking for e-commerce
 * Banking for agencies
 * Switch to Relay
 * Cash Flow Compass

COMPANY

 * About us
 * Customer stories
 * Careers
 * Affiliate program
 * Contact us
 * Why Relay
 * Trust Center

LEGAL

 * Terms of Service
 * Privacy Policy
 * Deposit Agreement
 * Savings Account Agreement
 * Cardholder Agreement
 * Electronic Communications Agreement
 * Relay Visa® Credit Card Cardholder Agreement
 * Visa® Signature Card Rewards Program Terms & Conditions

Visit Relay's youtube profileVisit Relay's instagram profileVisit Relay's
facebook profileVisit Relay's linkedin profileVisit Relay's twitter profile

Relay Financial Technologies, Inc. © 2024



Relay is a financial technology company and is not a bank. Banking services
provided by Thread Bank2,3, Member FDIC. The Relay Visa Debit Card is issued by
Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be
be used anywhere Visa cards are accepted. The Relay Visa Credit Card is issued
by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc and may
be used everywhere Visa credit cards are accepted.

*Terms and conditions apply to the cash back rewards program. Cash back will be
credited to your Relay checking account at the end of your 30-day billing cycle.
ATM transactions, the purchase of money orders or cash equivalents made with
your Relay Visa® Credit Card are not eligible for cash back. Please refer to the
Visa® Signature Rewards Program Terms & Conditions for more details.

1 The interest rates and annual percentage yield on your account are accurate as
of 12/18/24 and are variable and subject to change based on the target range of
the Federal Funds rate.

 * When your savings account balance is less than $50,000, the interest rate on
   your savings account is 1.02% with an APY of 1.03%
 * When your savings account balance is between $50,000 and $250,000, the
   interest rate on your savings account is 1.50% with an APY of 1.51%
 * When your savings account balance is between $250,000 and $1,000,000, the
   interest rate on your savings account is 2.01% with an APY of 2.03%
 * When your savings account balance is more than $1,000,000, the interest rate
   on your savings account is 2.99% with an APY of 3.03%

2 Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when
placed at program banks in the Thread Bank deposit sweep program. Your deposits
at each program bank become eligible for FDIC insurance up to $250,000,
inclusive of any other deposits you may already hold at the bank in the same
ownership capacity. You can access the terms and conditions of the sweep program
at https://thread.bank/sweep-disclosure and a list of program banks at
https://thread.bank/program-banks. Please contact customerservice@thread.bank
with questions regarding the sweep program.

Payment services (non banking/checking accounts or services) are provided by The
Currency Cloud Limited. Registered in England No. 06323311. Registered Office:
The Steward Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency
Cloud Limited is authorised by the Financial Conduct Authority under the
Electronic Money Regulations 2011 for the issuing of electronic money (FRN:
900199).

Payment services in the United States are provided by Visa Global Services Inc.
(VGSI), a licensed money transmitter (NMLS ID 181032) in the states listed here.
VGSI is licensed as a money transmitter by the New York Department of Financial
Services. Mailing address: 900 Metro Center Blvd, Mailstop 1Z, Foster City, CA
94404. VGSI is also a registered Money Services Business (“MSB”) with FinCEN and
a registered Foreign MSB with FINTRAC. For live customer support contact VGSI at
(888) 733-0041.

3 Please note that funds relating to Currencycloud's services are not FDIC
insured or protected by the Visa Zero liability protection policy. In regards to
Currencycloud's services when funds are posted to your account, e-money is
issued in exchange for these funds, by an Electronic Money Institution who we
work with, called Currencycloud. In line with regulatory requirements,
Currencycloud safeguards your funds. This means that the money behind the
balance you see in your account is held at a reputable bank, and most
importantly, is protected for you in the event of Currencycloud’s, or our,
insolvency. Currencycloud stops safeguarding your funds when the money has been
paid out of your account to your beneficiary’s account.

All testimonials, reviews, opinions or case studies presented on our website may
not be indicative of all customers. Results may vary and customers agree to
proceed at their own risk.