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# Your cash flow can be clearer
## Apply now for small business banking that puts you in complete control of what you’re earning, spending and saving.

Apply Now

Bank with Relay

Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank2, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. 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 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 cards are accepted. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

> “It’s very smooth, easy to use. I am doing Profit First, and it makes it extremely easy to set up multiple accounts.”

**Jon Meadows**
, Creative Transitions and High-End

> “It’s the perfect banking platform for small businesses that want complete cash flow clarity.”

**Mike Michalowicz**
, Author of Profit First

> “It’s ideal for business owners who want to simplify their finances and use a “Profit First” cash flow strategy.”

**Forbes Advisor**

> “It’s very smooth, easy to use. I am doing Profit First, and it makes it extremely easy to set up multiple accounts.”

**Jon Meadows**
, Creative Transitions and High-End

> “It’s the perfect banking platform for small businesses that want complete cash flow clarity.”

**Mike Michalowicz**
, Author of Profit First

## YOUR MUST-HAVES, covered

- No hidden fees or minimums that tie up cash flow
- Savings with up to 2.86% Annual Percentage Yield (APY)1
- All the payments you could need—ACH, check and wire
- 20 checking accounts for meticulous organization
- Up to 1.5% cash back\* on credit card spending
- FDIC insurance up to $3M for funds on deposit2

# 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.

Apply Now

Bank with Relay

Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank2, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. 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 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 cards are accepted. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

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

Visa® Zero Liability Protection

# 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.

Apply Now

Bank with Relay

Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank2, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. 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 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 cards are accepted. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

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

Visa® Zero Liability Protection

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

Visa® Zero Liability Protection

> “It’s very smooth, easy to use. I am doing Profit First, and it makes it extremely easy to set up multiple accounts.”

**Jon Meadows**
, Creative Transitions and High-End

> “It’s the perfect banking platform for small businesses that want complete cash flow clarity.”

**Mike Michalowicz**
, Author of Profit First

> “It’s ideal for business owners who want to simplify their finances and use a “Profit First” cash flow strategy.”

**Forbes Advisor**

> “It’s very smooth, easy to use. I am doing Profit First, and it makes it extremely easy to set up multiple accounts.”

**Jon Meadows**
, Creative Transitions and High-End

> “It’s the perfect banking platform for small businesses that want complete cash flow clarity.”

**Mike Michalowicz**
, Author of Profit First

## YOUR MUST-HAVES, covered

- No hidden fees or minimums that tie up cash flow
- Savings with up to 2.86% Annual Percentage Yield (APY)1
- All the payments you could need—ACH, check and wire
- 20 checking accounts for meticulous organization
- Up to 1.5% cash back\* on credit card spending
- FDIC insurance up to $3M for funds on deposit2

## See your cash flow clear as day

Use multiple checking and savings accounts to meticulously allocate every dollar to an operating expense or your profit.

### Get the income overview

Collect payments in one place—including ACH transfers, wires, checks, cash, card and payouts from tools like **PayPal, Stripe, and Square**.

### Earmark the essentials

Create a checking account for every spend category. Automate allocations into each account to keep business running as usual.

### Save for the future

Contribute to your savings every month to prep for big expenses (like taxes) and to build up use profit to fuel your growth.

### Feel in complete control

Always know when and how much to spend. No more overspending or overextending on your path to profitability.

## See your cash flow clear as day

Use multiple checking and savings accounts to meticulously allocate every dollar to an operating expense or your profit.

### Get the income overview

Collect payments in one place—including ACH transfers, wires, checks, cash, card and payouts from tools like **PayPal, Stripe, and Square**.

### Earmark the essentials

Create a checking account for every spend category. Automate allocations into each account to keep business running as usual.

### Save for the future

Contribute to your savings every month to prep for big expenses (like taxes) and to build up use profit to fuel your growth.

### Feel in complete control

Always know when and how much to spend. No more overspending or overextending on your path to profitability.

## 7-figure sales? Time to talk.

You didn't build a booming business to babysit your bank account.
Relay gives you the tools to grow, no DIY required.

Request a demo

## RELAY IS more than CHECKING & SAVINGS

It’s all the expense management tools you need to always spend below your means and max out your margins.

#### Spend smarter and savvier

Assign a card, with built-in spend policies, to every employee who needs one. Let Relay run after receipts for you, and save time by automating away bookkeeping admin.

Learn more about Expense Management on Relay

#### Pay your bills without breaking bank

Banking and bill pay, a business meet-cute. Import your bills from QuickBooks Online or Xero, say goodbye to payment fees and set approval rules so that bills only get paid once you say so.

Learn more about Bill Pay on Relay

## Make profit a habit

Relay is the official banking partner of Profit First. Together, Profit First and Relay ensure that every dollar is allocated according to your plan for profitability.

Learn more

## What complete cash flow clarity feels like

Every day, week, month and year.

DAY

### You know where every dollar is, every day

Money doesn’t move unless you tell it to. Use spend policies, approvals and transfer rules to ensure your money is exactly where it needs to be, when it needs to be there.

WEEK

### Chasing down details doesn’t take up your week

Relay keeps scrupulous records of money movements. Get ultra-detailed spending data, a receipt for every purchase and an audit trail for each payment.

MONTH

### Bookkeeping isn’t a headache every month

Relay directly syncs comprehensive, categorized transaction data and receipts into your accounting software for the simplest and speediest of bookkeeping.

YEAR

### You end the year in the green and ready to grow again

Picture it. Your cash flow command means you spent less than you made every month and you have enough profit to make next year you’re biggest one yet.

## Your money protected, always

- A best-in-class security certification

Relay is SOC 2 Type II certified, providing enterprise-level security to protect our customers and data.
- Visa® Zero Liability Protection

Quickly identify and resolve unauthorized activity with the help of Relay and Visa®.
- Control who sees and spends what

Give advisors and employees the exact level of access they need, and revoke it in just a few clicks.

## Kind words from our
community

#### Relay has been great for my growing business.

"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 business.

"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 business.

"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
- Expense management
- Invoices
- Payment Requests
- Pricing
- Integrations
- Xero
- QuickBooks Online
- Gusto
- Plaid & Yodlee

#### Accountants & Bookkeepers

- Client banking
- Partner program
- 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 home services
- Banking for agencies
- Switch to Relay
- Cash Flow Compass

#### Company

- About us
- Customer stories
- Careers
- Affiliate program
- Contact us
- Why Relay
- Trust Center
- Safety & Security

#### 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

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Relay Financial Technologies, Inc. © 2025

Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank2, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. 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 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 cards are accepted. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

1For Relay Subscription Plans with an interest-bearing deposit account, the interest rate and Annual Percentage Yield on your account are accurate as of 10/30/2025 and are variable and subject to change based on the target range of the Federal Funds rate. Fees may reduce earnings:

- When you are subscribed to the Starter Plan, the interest rate on your savings accounts is 0.91% with an APY of 0.91%.
- When you are subscribed to the Grow Plan, the interest rate on your savings accounts is 1.53% with an APY of 1.55%.
- When you are subscribed to the Scale Plan, the interest rate on your savings accounts is 2.65% with an APY of 2.68%.

2 Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its 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 on the sweep program. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

\*Terms and conditions apply to the cash back rewards program. Monthly cash back rewards will be automatically deposited into your Relay checking account within 30 days of the end of the credit card 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.

\*\*Relay is not affiliated with SoFi, or OnDeck, and Relay’s privacy and security policies may differ from SoFi’s, and OnDeck's, privacy and security policies. Relay will be paid a fee from SoFi, and OnDeck if you obtain a product through either of these links. All rates, terms, and conditions vary by provider. Approval for a loan is not guaranteed.

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.

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