Relay

Overview

Relay gives small business owners a full banking and financial workflow platform with no hidden fees and no minimum balance requirements. You open up to 20 checking accounts on the free Starter plan, which helps you separate funds for payroll, taxes, and operating expenses without paying a dime. The free plan earns 0.91% APY on savings and 1% cash back on credit card spending. The Grow plan at $30 per month raises those rates and adds multi-step bill approvals, batch vendor payments, recurring invoices, and customizable bookkeeping automation. The Scale plan, currently discounted to $90 per month from $120, adds AI-powered bill payment automation, cash flow forecasting, and 2.68% APY on savings. Relay connects to QuickBooks and Xero, and FDIC insurance covers deposits up to $3 million through Thread Bank. Over 3,000 Trustpilot reviewers rate Relay 4.3 out of 5.

Features

• Up to 20 checking accounts on the free plan with no monthly fees or minimums
• Savings accounts earning up to 2.68% APY depending on your plan
• Up to 1.5% cash back on Relay Visa credit card spending
• Bill creation, approval workflows, batch vendor payments, and receipt storage
• Invoicing with payment request links, recurring invoices, and auto charge on file
• QuickBooks and Xero integrations included on all plans
• FDIC insurance up to $3 million through Thread Bank

Best for

Relay works best for solopreneurs and small teams who want to consolidate banking, bill pay, and invoicing into one place instead of juggling multiple tools. It fits especially well for owners who follow a cash allocation method like Profit First and need multiple checking accounts without paying big-bank fees.