Business banking with Relay
Your company is formed. Next comes the bank account.
The bank account is what makes a new company real. It's where income gets deposited, where expenses get paid, and where the line between business and personal money finally holds. We partnered with Relay to make that next step simpler: up to 20 accounts, no monthly fees, no minimums, and the integrations to keep everything connected from day one.
International founder? Relay can't open an account for a business owner who holds citizenship or residency in a country on its prohibited countries list. Our other banking partner, Lili, accepts owners who aren't US citizens only if they hold citizenship from one of its supported countries. Check both lists before you order; some countries are covered by neither.
Why Relay works for our customers
Multiple accounts, one clear picture
Many small business owners keep everything in a single checking account, which makes it nearly impossible to understand how the business is actually performing. Relay lets you open up to 20 individual checking accounts within a single platform, so you can allocate money by category (payroll, taxes, operating expenses, owner's draw) and see exactly where every dollar lives. Each account gets its own Visa debit card and activity feed, giving you structure without the complexity of managing multiple bank relationships. If you run more than one LLC or corporation, each company gets its own dedicated account: no commingling, no guesswork at year-end.
Team access with the right permissions
Growing a business means bringing in people to help: employees, contractors, bookkeepers and accountants. With Relay, you control exactly what each person can see and do. Add team members with view-only access, authorize spending up to a specific limit, or give your accountant read access without exposing sensitive account details. No shared passwords, no blind trust, just clean, structured access that reflects how your business actually works.
Connects with the tools you already use
Relay integrates directly with the financial and operational tools small businesses rely on most, including QuickBooks Online, Xero, Gusto and Stripe. Transactions sync automatically, so there's no manual entry, no spreadsheet reconciliation, and no chasing your bookkeeper for exports. Whether you're running payroll, managing subscriptions or closing your books at month-end, Relay keeps everything connected and current, so the numbers you see match the money you have.
No fees, no minimums, no surprises
Traditional bank accounts often come with monthly maintenance fees, minimum balance requirements, transaction limits and wire fees that quietly chip away at your margins. Relay is built differently. There are no monthly fees, no minimum balances, and no fees on incoming wires. For businesses that watch their overhead, Relay keeps banking costs predictable and low, so more of your money stays in the business.
Everything you need to bank smarter
One dashboard
Manage all your accounts, cards and activity from a single, clean interface, on desktop or mobile.
Fast transfers
Send ACH transfers, domestic wires and checks directly from your Relay account with no surprise fees.
Real-time tracking
See every transaction as it happens, with automatic categorization that makes month-end a non-event.
Accountant-ready
Your accountant or bookkeeper can access reports, export transactions and reconcile accounts without ever calling you.
Apply in three steps
Apply online in minutes
Apply for a Relay business checking account entirely online. No branch visit, no paper forms, just a straightforward application built for business owners.
Set up your account structure
Create additional accounts for taxes, payroll, reserves, or any category that matters to your business. Each account gets its own balance and debit card.
Connect your tools and team
Link Relay to your accounting software, invite your bookkeeper, and start moving money, all from the same platform where you track your business.
Is Relay a good fit for your business?
- You run more than one LLC or corporation and want each company's finances completely separate, without opening accounts at multiple banks
- You practice Profit First or want to allocate income across dedicated accounts for taxes, payroll and reserves
- You are mixing business and personal funds, or struggling to separate expense categories
- You have a bookkeeper or accountant who needs clean access to your transaction history
- You are using QuickBooks, Xero, Stripe or Gusto and want your banking to sync automatically
- You want to see exactly where your money is at any given moment without logging into multiple accounts
- You are tired of paying monthly fees for basic business banking
Start strong. Bank smart.
Connect with a Business Success Advisor
