Relay review

Relay is built for owners who like to split money into many accounts. The free Starter plan allows up to 20 checking accounts per business, unlimited users and up to 50 debit cards per cardholder per account, which suits owners who run a profit-first or envelope system for taxes, payroll and operating costs. It also includes bill intake with multi-step approval rules, receipt collection, invoice creation with automated follow-ups and QuickBooks and Xero integrations. Savings pay 1.19% APY on Starter, 1.87% on Grow and 3.21% on Scale, according to rates Relay lists as of September 2026. Grow costs $30 a month and adds recurring invoices, bookkeeping automations, batch vendor payments and lower payment fees, and Scale is $90 a month on a limited-time discount from $120. Relay is a financial technology company, and banking services come from Thread Bank. Transaction fees apply to some transfers, so check the fee details on the pricing page.

Who it is for

Teams that want profit-first style accounts, unlimited users and bill approvals in one place.

Price

Starter $0 per month; Grow $30 per month; Scale $90 per month on a limited-time discount.

Starter $0/month Grow $30/month
Quoted from the vendor pricing page on November 12, 2026.

Key features

• Up to 20 checking accounts per business on Starter and Grow, 50 on Scale
• Unlimited users and up to 50 debit cards per cardholder per checking account
• Savings APY of 1.19% on Starter, 1.87% on Grow and 3.21% on Scale
• Bill creation and approval rules, receipt collection and invoice tracking
• QuickBooks and Xero integrations on every plan

Strengths and weaknesses

• Strength: 20 checking accounts on the free plan suit envelope-style budgeting
• Strength: Unlimited users at no extra cost
• Strength: No minimum balance and no overdraft fees
• Weakness: Savings rates on the free plan are lower than on paid plans
• Weakness: Recurring invoices and bookkeeping automations need the $30 Grow plan
• Weakness: Relay is a fintech, not a bank, so deposits sit at Thread Bank

Key facts

• Monthly fee: $0, $30 or $90 by plan
• Checking accounts: 20 per business (50 on Scale)
• Partner bank: Thread Bank

Where it ranks

Relay is No. 3 in our Best Business Bank Accounts verdict.