Relay

About Relay

Relay is a free online business banking platform built for small businesses that want to separate money into purpose-driven accounts. Its profit-first banking approach lets you create up to 20 checking accounts for different budget categories — taxes, payroll, materials, profit — so you always know where your money stands.

Key Features

• ✓Up to 20 no-fee checking accounts for budgeting
• ✓Profit First methodology built into the platform
• ✓Automatic percentage-based transfers between accounts
• ✓Physical and virtual debit cards with spend controls
• ✓Free ACH, mobile check deposit, and bill pay
• ✓QuickBooks and Xero direct integration
• ✓Shared access for bookkeepers and accountants
• ✓Real-time transaction notifications

Best For

• →Small business owners using Profit First methodology
• →Contractors who need to set aside tax and materials money
• →Bookkeepers managing multiple client accounts
• →Seasonal businesses that need to budget carefully

Limitations