Relay is a no-fee, online business banking and money platform that puts you in complete control of your cash flow.

The banking basics… and beyond

Robust business banking features without the usual fees, branch visits or paperwork.

• Bank without account fees or minimum balances that tie up cash flow

• Open up to 20 individual checking accounts

• Issue 50 virtual and physical debit cards

• Send and receive payments via ACH, wire or check

• Collect payments from tools like PayPal, Stripe, Square and more

• Get hands-on help whenever you need it

Cash flow that’s as clear as day

Always be on top of what your business is earning, spending and saving.

• Apportion income to expense and reserve accounts (like operations, payroll and taxes)

• Organize spend using dedicated debit cards (like travel and marketing)

• Get ultra-detailed transaction data that takes the grind out of expense tracking

• Simplify and speed up bookkeeping with direct QuickBooks Online and Xero integrations

Banking that’s better because it’s done together

Work with financial advisors and team members without compromising security or convenience.

• Invite your accountant, bookkeeper or team members to Relay

• Control what each invited user can do and see in your bank account

• Safely share banking data and monthly statements

• Delegate financial management tasks like paying the bills

Plus, Relay’s security features provide peace of mind. Logins are protected by two-factor authentication and biometric security, and you can feel safe knowing that you’re FDIC insured up to $250,000 per business.

Learn more at relayfi.com.

Relay is a modern business banking platform designed to empower businesses, particularly small and medium-sized enterprises (SMEs), with enhanced financial control and streamlined operations. Its core offering revolves around providing a clear, real-time view of finances across multiple accounts, enabling businesses to make informed decisions and optimize their cash flow.

One of Relay's standout features is its multi-account management capability. Businesses can connect all their banking accounts, regardless of the institution, into a single, unified dashboard. This centralized view eliminates the need to log into multiple platforms, saving time and providing a comprehensive overview of the company's financial position. This aggregation of accounts allows for a holistic understanding of cash flow, simplifying reconciliation and financial planning.

Relay further enhances financial control by offering granular permission levels for team members. Business owners can grant specific access rights to different employees, ensuring that only authorized personnel can initiate transactions or view sensitive financial data. This granular control minimizes the risk of unauthorized access and strengthens internal security protocols. Different roles, such as accountant, bookkeeper, or department manager, can be assigned specific permissions tailored to their responsibilities.

The platform also facilitates efficient money movement with its robust payment capabilities. Businesses can schedule and execute ACH transfers, wire payments, and check payments directly from the Relay platform. This streamlined payment process reduces manual effort and ensures timely payments to vendors and suppliers. Automated payment reminders can be set up to avoid late payment fees and maintain positive vendor relationships.

Relay's integration with popular accounting software further simplifies financial management. Seamless data synchronization between Relay and accounting platforms like QuickBooks Online and Xero eliminates manual data entry and reduces the risk of errors. This integration ensures that financial records are always up-to-date and accurate, facilitating efficient bookkeeping and reporting.

Real-time transaction monitoring is another key feature of Relay. Businesses can track transactions as they occur, providing immediate visibility into cash flow and spending patterns. This real-time insight allows for proactive financial management and helps identify potential issues before they escalate. Instant notifications can be set up for specific transactions, providing timely alerts for important financial events.

Relay's reporting capabilities provide valuable insights into business performance. Businesses can generate customized reports on various financial metrics, such as income, expenses, and cash flow. These reports offer a deeper understanding of financial trends and help identify areas for improvement. Data visualization tools within the platform make it easy to analyze financial data and extract actionable insights.

Collaboration is also a key focus of the Relay platform. Team members can communicate directly within the platform, streamlining communication related to financial transactions and approvals. This centralized communication hub improves transparency and reduces the risk of miscommunication. Discussions can be tagged to specific transactions, providing context and facilitating efficient resolution of any issues.

Security is paramount for Relay. The platform employs robust security measures, including multi-factor authentication and encryption, to protect sensitive financial data. These security protocols ensure that business finances are safeguarded against unauthorized access and fraud. Regular security audits are conducted to maintain the highest level of security and compliance.

Customer support is readily available to assist Relay users. Dedicated support teams are available via phone, email, and in-app chat to address any questions or concerns. Comprehensive help documentation and resources are also available online, providing users with self-service options for common queries.

Relay's pricing structure is transparent and tailored to the needs of different businesses. Various subscription plans are available, offering different features and transaction limits. Businesses can choose the plan that best fits their size and transaction volume. Transparent pricing ensures that businesses understand the costs associated with using the platform.

In summary, Relay offers a comprehensive suite of tools and features designed to simplify business banking and empower businesses with greater financial control. Its multi-account management, granular permission levels, robust payment capabilities, accounting software integration, real-time transaction monitoring, reporting capabilities, collaboration features, and robust security measures make it a valuable asset for businesses of all sizes. By providing a clear, real-time view of finances, Relay enables businesses to make informed decisions, optimize cash flow, and achieve their financial goals. The platform's focus on user experience, combined with its robust functionality and dedicated customer support, makes it a compelling choice for businesses seeking a modern and efficient banking solution.