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Relay

Banking for small businesses

Banking Platform (Not a PSP)

Banking platform only. Use with a separate payment processor.

Open Account

Account Types

Business Checking

Fees

Monthly Fee
$0
Wire Transfers (Domestic)
$8 (domestic)
International Wire
Not offered
ATM Withdrawal
Free (Allpoint network)

Best For

  • Small Businesses
  • E-commerce
  • Services

Not Recommended For

  • High-Risk
  • Crypto
  • Adult

KYB Requirements

Entity Type
LLC, Corporation, Sole Prop
Minimum Deposit
$0
Time in Business
0 months
Documentation Required
  • • EIN or SSN
  • • Business docs

Key Features

  • 50 checking accounts
  • Free debit cards
  • Virtual cards
  • No minimum balance
  • Team access

Pros

  • Free banking
  • Multiple accounts
  • Easy approval
  • Great for organizing cash flow

Cons

  • No savings accounts
  • Limited features
  • US-only
  • No physical branches

Available Regions

US

Ready to Open an Account?

Relay is ideal for small businesses. Most applications are reviewed within 24-48 hours.

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