About Relay
Relay is the business banking platform built for small business owners who want to organize their finances using the Profit First method or similar cash management systems. It allows up to 20 individual checking accounts and 2 savings accounts from a single business — letting you separate revenue, taxes, operating expenses, payroll, and profit into dedicated buckets. Relay also offers physical and virtual Visa debit cards, integrates with QuickBooks and Xero, and has no account fees for the standard plan.
What's Great
- ✓Up to 20 checking accounts for organized cash management
- ✓Profit First method friendly — designed for financial clarity
- ✓No monthly fees on the standard plan
- ✓Team access with customizable permissions per employee
Watch Out For
- !Limited credit card options
- !Interest rates not as competitive as Mercury Treasury
- !Some features require the paid Pro plan
Common Use Cases
Create separate accounts for taxes, payroll, and profit to implement Profit First
Give employees individual debit cards with spending limits without sharing main account
Automatically move 15% of every deposit to a tax savings account
Pricing Model
Free
100% free to use — no credit card required.
Category
Business Banking
Modern business bank accounts built for startups and SMBs.
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