What it does
Relay helps U.S. businesses organize cash across multiple checking accounts, automated transfers and team cards. The free Starter plan includes 20 checking accounts, with paid plans adding approval and bookkeeping tools. Relay identifies Thread Bank as its banking provider.
Relay’s separate-account approach can give payroll, taxes and operating costs their own balances. Automatic transfers allocate incoming deposits, so money intended for a tax bill does not sit in the same spending pot as everyday purchases. Receipt capture and accounting connections carry the spending records onward.
Choosing a plan
| Plan | Monthly fee | Main difference |
|---|---|---|
| Starter | $0 | 20 checking accounts, spending controls and receipt reminders |
| Grow | $30 | Multi-step approval rules, recurring invoices and bookkeeping automations |
| Scale | $120 regular price | 50 checking accounts and no fee for same-day ACH |
Scale is currently shown with a temporary $90 monthly offer. Additional transaction fees can apply.
All plans include invoice creation and tracking, accounting integrations and unlimited users. The practical choice is whether your team needs approval rules and recurring administration beyond separate cash balances.
Relay accepts businesses registered and operating in the United States, subject to industry and owner-country restrictions. Apply through the website or app with business details, formation documents, an EIN and owner information, then complete identity verification and submit for review. Its opening guide requires applicants to be at least 18 and asks for Social Security numbers and photo ID for beneficial owners. Relay is a fintech platform; it states that Thread Bank provides the banking services.
Strengths
- Starter provides 20 checking accounts without a monthly subscription.
- Incoming deposits can be allocated automatically between business purposes.
- All plans include invoice tracking and accounting integrations.
Watch out for
- Multi-step approval rules and recurring invoices require Grow or Scale.
- Eligibility is limited by U.S. business operations, owner location and industry.
Best for
- U.S. small businesses separating payroll, tax reserves and operating cash
- Teams that want cards, receipts and invoices alongside business accounts
Sources
- Relay | Online Business Banking (Oct 27, 2026)
- Relay Plans & Pricing | Starter, Grow and Scale (Oct 27, 2026)
- How to Sign up for a Relay Account (Oct 27, 2026)
- How to Open a Relay Business Account (Oct 27, 2026)