---
title: "Relay | Business Banking - Reviews, Revenue and Downloads in United States | Apple App Store"
description: "Relay is online business banking that puts small business owners in complete control of their cash flow.  What Relay offers:  • 20 checking accounts to earmark cash for operations, payroll, taxes and "
---

# Relay | Business Banking — United States
> Banking for small businesses

![Relay App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/33/6d/ab/336dab49-92f0-3411-fa2a-33ec78a5a45b/AppIcon-0-0-1x_U007emarketing-0-11-0-85-220.png/400x400bb.png)

**Developer:** [Relay Financial Technologies](https://apptail.io/developer/relay-financial-technologies-SVjb)
**Category:** Finance
**Rating:** 4.8/5 (3,300 ratings)
**Price:** Free
**Bundle ID:** com.relayfi.relay
**Store:** Apple App Store
**Country:** United States
**Version:** 2.49.0 (released 2026-10-07)
**Original Release:** 2020-03-25

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/us/app/app/id1454115640)
**AppTail Page:** [https://apptail.io/app/relay-business-banking-tTgb/united-states](https://apptail.io/app/relay-business-banking-tTgb/united-states)

## Relay Description
Relay is online business banking that puts small business owners in complete control of their cash flow.

What Relay offers:

• 20 checking accounts to earmark cash for operations, payroll, taxes and more
• Multiple debit and credit cards—with built-in spend policies—to meticulously organize spending by team or project
• 1.5% cash back* on all credit card purchases, and savings accounts with up to 3.00% APY** to help you grow reserves
• All the payment types you could need—including ACH transfers, wires and checks (yes, including paper checks!)
• Automations—like maximum-balance transfer rules—that make money move for you so can focus on running your business

Plus, each business is insured up to $3M for funds on deposit via Thread Bank, Member FDIC.***   


Learn more at relayfi.com.






*Terms and conditions apply to the cash back rewards program. Cash back will be credited to your Relay checking account at the end of your 30-day billing cycle. ATM transactions, the purchase of money orders or cash equivalents made with your Relay Visa® Credit Card are not eligible for cash back. Please refer to  for more details.

**The interest rates and annual percentage yield on your account are accurate as of 9/18/2024 and are variable and subject to change based on the target range of the Federal Funds rate. APY will vary between 1.00%-3.00% depending on the balances held. Earn 1.00% APY on savings balances of less than $50,000, 1.50% APY on savings between $50,000 and $250,000, 2.00% APY on savings balances between $250,000 and $1,000,000 and 3.00% APY on savings balances of more than $1,000,000. There are no minimum balances or minimum deposits required to earn interest on your account.

***Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in Thread Bank, Member FDIC’s deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at  and a list of program banks at  Please contact customerservice@thread.bank with questions regarding the sweep program.

## Relay Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/12/24/68/122468ef-5e65-3e43-0d43-a551d21f3f49/6.5-1.png/1242x2688.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/49/65/4b/49654b35-b4e9-0f87-f8a0-4172ef0c377e/6.5-2.png/1242x2688.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/43/9d/0b/439d0b83-edee-87e1-cae4-2d408cfd5d22/6.5-3.png/1242x2688.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/ff/6f/b7/ff6fb701-acc3-556b-66a9-c85ce51b078a/6.5-4.png/1242x2688.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/07/1a/06/071a0604-f7b7-215d-fda9-5f0114780991/6.5-5.png/1242x2688.png)

## Relay Rating Breakdown in United States
- 5 stars: 3,006 (91%)
- 4 stars: 126 (4%)
- 3 stars: 37 (1%)
- 2 stars: 19 (1%)
- 1 stars: 112 (3%)

## Relay Reviews in United States

### ***** "Love it"
Excellent app and company. Have had no problems with them and have had an account for over a year and half now.
-- Jeditakesu, 2024-12-23

### *---- "Fraud"
Don’t use this they will freeze your account with out intimation and they will not respond after the account frozen
-- Prashanth vasa, 2024-12-05

### *---- "Closed my account!!"
Unfairly closed my account. I was supposed to have a refund going into my account and the same day my account is closed!!! If the transaction caused it, I should be told so and be able to provide documentation. But no, they closed it and are now acting very suspicious.

They are deliberately hanging up on me and wont even pick up the phone!!! What kind of sick shady business is this.

No warning, nothing and my account is closed.
-- applesaucehi3, 2024-11-26

### *---- "Worst bank"
Beware of this bank! It doesn't work! They freeze your cards, they question you for all transactions, deposits, wire transfers take forever, terrible customer service, they don't communicate with any supervisor .... in short a piece of garbage.
-- TCSLLC, 2024-11-20

### **--- "It’s taking 11 days for my first check to be deposited!"
Honestly, I was pretty stoked on this app because I found it through the Profit First book. I deposited my first check by taking a picture of it on Friday evening.

If you tend to take pictures of checks to deposit them into your account. I would stay away from Relay. I’ve had plenty of other bank accounts that will make the funds available within a few hours and then let it pend for a day or two. 

Relay on the other hand, currently takes seven business days for a picture of a check to clear. I took the picture on November 8, it is currently November 18 and the check is still pending and I can’t access the money. It’s because I got paid on Friday, so I took the picture that evening. Then it was the weekend, and then some holiday, then it went through another weekend and now it’s still has another day or two of pending. By this point, I could have took a picture of the check through my other bank account and then wire transferred the money to Relay and it would’ve got there quicker. 

If they would fix this, then I would put my rating back up to five stars. But 11 days to get a check is ridiculous.
-- DanielRayHermanJr, 2024-11-18

### ***** "Stunning!"
I don’t know how my business was surviving without Relay! This is a must~have for any small business owner who’s looking for efficiency and productivity at the same time! I’m looking forward to a better future with Relay !
-- Peter Mutie, 2024-11-06

### *---- "Relay? More Like Delay."
Relay has been disappointing, and their app is no different. It frequently glitches, freezes, and the "filter" option seems pointless since it lacks basic and useful features like filtering by keyword, pending transactions, and by charge type: credit or debit.

While the app works fine for checking your balance, its functionality doesn't go much beyond that.
-- Avid User 79, 2024-10-20

### *---- "Traaaaaaaaaaaash"
The only explanation I have for them still taking over a week to confirm an insignificant wire transaction is to steal my money. They froze the account until they do their “research”. Avoid this bank like you would herpes.
-- ettiiik, 2024-10-16

### *---- "Worst bank ever"
The bank is horrible. Signing up is easy when you go to actually use the account while conducting business they will just take your money because they feel like even after providing all documentation needed about the business. This app is here to only steal money from small businesses.
-- Pernell murray Jr, 2024-10-03

### ***** "Experience"
I would have to say out of all the years of banking I have never dealt with such polite, contrite, professional individuals seem to make it seem as if you’re talking to a friend very helpful very considerate very knowledgeable
-- tgeep, 2024-09-13

[View all Relay reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews)



## Relay Discovered Keywords
- found
- relay
- realy
- business bank
- relay pro
- relay app
- relay financial technologies inc
- relay financial
- relay on demand
- rely

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## Relay Available In
- [United States](https://apptail.io/app/relay-business-banking-tTgb/united-states)
- [Argentina](https://apptail.io/app/relay-business-banking-tTgb/argentina)
- [India](https://apptail.io/app/relay-business-banking-tTgb/india)
- [Canada](https://apptail.io/app/relay-business-banking-tTgb/canada)
- [Spain](https://apptail.io/app/relay-business-banking-tTgb/spain)
- [Colombia](https://apptail.io/app/relay-business-banking-tTgb/colombia)
- [United Kingdom](https://apptail.io/app/relay-business-banking-tTgb/united-kingdom)
- [Italy](https://apptail.io/app/relay-business-banking-tTgb/italy)
- [Mexico](https://apptail.io/app/relay-business-banking-tTgb/mexico)
- [Brazil](https://apptail.io/app/relay-business-banking-tTgb/brazil)
- [France](https://apptail.io/app/relay-business-banking-tTgb/france)
- [Australia](https://apptail.io/app/relay-business-banking-tTgb/australia)
- [Egypt](https://apptail.io/app/relay-business-banking-tTgb/egypt)
- [Germany](https://apptail.io/app/relay-business-banking-tTgb/germany)
- [South Africa](https://apptail.io/app/relay-business-banking-tTgb/south-africa)
- [Peru](https://apptail.io/app/relay-business-banking-tTgb/peru)
- [Portugal](https://apptail.io/app/relay-business-banking-tTgb/portugal)
- [Chile](https://apptail.io/app/relay-business-banking-tTgb/chile)
- [Dominican Republic](https://apptail.io/app/relay-business-banking-tTgb/dominican-republic)
- [Ecuador](https://apptail.io/app/relay-business-banking-tTgb/ecuador)
- [Oman](https://apptail.io/app/relay-business-banking-tTgb/oman)
- [Poland](https://apptail.io/app/relay-business-banking-tTgb/poland)
- [Israel](https://apptail.io/app/relay-business-banking-tTgb/israel)
- [Paraguay](https://apptail.io/app/relay-business-banking-tTgb/paraguay)
- [Saudi Arabia](https://apptail.io/app/relay-business-banking-tTgb/saudi-arabia)
- [Croatia](https://apptail.io/app/relay-business-banking-tTgb/croatia)
- [Honduras](https://apptail.io/app/relay-business-banking-tTgb/honduras)
- [Ireland](https://apptail.io/app/relay-business-banking-tTgb/ireland)
- [Ghana](https://apptail.io/app/relay-business-banking-tTgb/ghana)
- [Belgium](https://apptail.io/app/relay-business-banking-tTgb/belgium)
- [Bulgaria](https://apptail.io/app/relay-business-banking-tTgb/bulgaria)
- [Denmark](https://apptail.io/app/relay-business-banking-tTgb/denmark)
- [Finland](https://apptail.io/app/relay-business-banking-tTgb/finland)
- [Greece](https://apptail.io/app/relay-business-banking-tTgb/greece)
- [Indonesia](https://apptail.io/app/relay-business-banking-tTgb/indonesia)
- [Kenya](https://apptail.io/app/relay-business-banking-tTgb/kenya)
- [South Korea](https://apptail.io/app/relay-business-banking-tTgb/south-korea)
- [Kazakhstan](https://apptail.io/app/relay-business-banking-tTgb/kazakhstan)
- [Lithuania](https://apptail.io/app/relay-business-banking-tTgb/lithuania)
- [Latvia](https://apptail.io/app/relay-business-banking-tTgb/latvia)
- [Netherlands](https://apptail.io/app/relay-business-banking-tTgb/netherlands)
- [New Zealand](https://apptail.io/app/relay-business-banking-tTgb/new-zealand)
- [Qatar](https://apptail.io/app/relay-business-banking-tTgb/qatar)
- [Romania](https://apptail.io/app/relay-business-banking-tTgb/romania)
- [Slovenia](https://apptail.io/app/relay-business-banking-tTgb/slovenia)
- [Thailand](https://apptail.io/app/relay-business-banking-tTgb/thailand)
- [Türkiye](https://apptail.io/app/relay-business-banking-tTgb/turkey)
- [Taiwan](https://apptail.io/app/relay-business-banking-tTgb/taiwan)
- [Uruguay](https://apptail.io/app/relay-business-banking-tTgb/uruguay)
- [Grenada](https://apptail.io/app/relay-business-banking-tTgb/grenada)
- [Azerbaijan](https://apptail.io/app/relay-business-banking-tTgb/azerbaijan)
- [Norway](https://apptail.io/app/relay-business-banking-tTgb/norway)
- [Mauritius](https://apptail.io/app/relay-business-banking-tTgb/mauritius)
- [Malaysia](https://apptail.io/app/relay-business-banking-tTgb/malaysia)
- [Estonia](https://apptail.io/app/relay-business-banking-tTgb/estonia)
- [Algeria](https://apptail.io/app/relay-business-banking-tTgb/algeria)
- [Czechia](https://apptail.io/app/relay-business-banking-tTgb/czechia)
- [Switzerland](https://apptail.io/app/relay-business-banking-tTgb/switzerland)
- [Hungary](https://apptail.io/app/relay-business-banking-tTgb/hungary)
- [Armenia](https://apptail.io/app/relay-business-banking-tTgb/armenia)
- [Japan](https://apptail.io/app/relay-business-banking-tTgb/japan)
- [Suriname](https://apptail.io/app/relay-business-banking-tTgb/suriname)
- [Austria](https://apptail.io/app/relay-business-banking-tTgb/austria)
- [Kuwait](https://apptail.io/app/relay-business-banking-tTgb/kuwait)
- [Bahrain](https://apptail.io/app/relay-business-banking-tTgb/bahrain)
- [Sweden](https://apptail.io/app/relay-business-banking-tTgb/sweden)
- [Luxembourg](https://apptail.io/app/relay-business-banking-tTgb/luxembourg)
- [Singapore](https://apptail.io/app/relay-business-banking-tTgb/singapore)
- [Madagascar](https://apptail.io/app/relay-business-banking-tTgb/madagascar)
- [Malta](https://apptail.io/app/relay-business-banking-tTgb/malta)
- [Slovakia](https://apptail.io/app/relay-business-banking-tTgb/slovakia)
- [Bolivia](https://apptail.io/app/relay-business-banking-tTgb/bolivia)

---

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