Relay review
Online banking with sub-accounts and bookkeeping integrations.
Overview
Relay is online business banking with a clear point of view: your money should be organized. Where most accounts give you one checking account and a card, Relay lets you open multiple checking accounts and issue plenty of physical and virtual debit cards — so you can separate taxes, payroll, operating cash, and profit into their own buckets.
That structure makes Relay a natural fit for owners who follow a “Profit First” or envelope-style approach to managing cash. Agencies and eCommerce operators in particular like being able to allocate every dollar to a purpose and hand team members cards with their own spending controls.
Relay is also built to keep your books clean. It integrates with popular accounting and bill-pay tools, which cuts down on manual data entry and makes month-end reconciliation far less painful. The core plan has no monthly fees, keeping overhead low for small teams.
What Relay isn’t is a full-service or cash-handling bank. It’s designed for organization and clean bookkeeping rather than lending, advanced treasury, or in-person and cash services. If that matches how you run money, it’s one of the most thoughtful options available; if you need branches or cash deposits, look elsewhere.
Pros
- Multiple sub-accounts
- Bookkeeping integrations
- No monthly fee
Cons
- Fewer physical banking features
Pricing
| Plan | Price | Details |
|---|---|---|
| Core | No monthly fee | Multiple accounts and cards. |
| Pro | paid | Faster payments and advanced features. |
Pricing is representative and changes often — confirm current plans and fees on the provider’s website before purchasing.
Organize your money
Create multiple accounts to allocate funds by purpose, and issue physical and virtual cards with per-card controls.
No monthly fees on the core plan keeps overhead low for small teams.
Bookkeeping-friendly
Relay integrates with popular accounting and bill-pay tools, which reduces manual data entry and reconciliation time.
It’s built for clean books rather than advanced lending or cash handling.
Who it’s for
- Agencies and eCommerce owners who want sub-accounts for budgeting
- Teams that need multiple debit cards with controls
- Owners who prioritize clean bookkeeping integrations
Who should look elsewhere
- Businesses needing in-person branch services or heavy cash deposits
- Founders who want a single all-purpose account with lending
Best for
Our verdict
If you manage money with a profit-first or envelope approach, Relay’s multi-account structure and bookkeeping integrations make it a standout. It’s organization-first online banking for small teams.
Frequently asked questions
Relay lets you open multiple checking accounts and issue many debit cards, which is ideal for budgeting methods like Profit First. It also integrates tightly with accounting and bill-pay tools.
Alternatives to consider
This tool provides educational estimates and general guidance only. It is not legal, tax, accounting, or financial advice. Always verify requirements with official government sources or consult a qualified professional before making decisions.