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Relay
Relay is a strong online business-finance platform for owners and teams that want many accounts, clear cash allocation, cards, bills, approvals, invoices, and accounting connections. Starter is $0, Grow is $30 monthly, and Scale is currently discounted to $90 from a regular $120. Current savings APYs effective May 1, 2026 are 1.11%, 1.75%, and 3.00%, respectively; checking does not earn those rates. Starter and Grow include up to 20 checking accounts, Scale up to 50, and deposits can receive up to $3 million in conditional FDIC sweep coverage through Thread Bank. Relay also supports cash through Allpoint+ and Green Dot, but transaction fees, a temporary Scale discount, plan-specific automations, and several payment partners require careful modeling.
What to know about Relay
Relay is a strong online business-finance platform for owners and teams that want many accounts, clear cash allocation, cards, bills, approvals, invoices, and accounting connections. Starter is $0, Grow is $30 monthly, and Scale is currently discounted to $90 from a regular $120. Current savings APYs effective May 1, 2026 are 1.11%, 1.75%, and 3.00%, respectively; checking does not earn those rates. Starter and Grow include up to 20 checking accounts, Scale up to 50, and deposits can receive up to $3 million in conditional FDIC sweep coverage through Thread Bank. Relay also supports cash through Allpoint+ and Green Dot, but transaction fees, a temporary Scale discount, plan-specific automations, and several payment partners require careful modeling.
Pros
- Up to 20 checking accounts on Starter and Grow or 50 on Scale
- Competitive savings APY by plan plus Profit First transfers, cards, and approvals
- Conditional FDIC sweep coverage up to $3 million and two cash-deposit networks
Cons
- Best APY and automation require paid plans, with Scale’s $90 price temporary
- Wires, expedited ACH, invoice payments, and retail cash deposits can carry fees
- Many accounts and partner providers increase governance and reconciliation work
Scoring breakdown
- Fees4.2/5
- Yield4.4/5
- Integrations4.7/5
- Onboarding4.4/5
- Customer Service4.2/5
Verified product facts
- Monthly Fee
- Starter $0; Grow $30/month; Scale currently $90/month for a limited time, regularly $120/month; 14-day trials for paid plans
- Yield
- Savings APY effective May 1, 2026: Starter 1.11%, Grow 1.75%, Scale 3.00%; variable, fees may reduce earnings, checking does not earn these rates
- Deposit Insurance
- Up to $3 million through Thread Bank and its IntraFi sweep network, subject to pass-through conditions, placement, and other deposits
Where Relay ranks
Every DollarScout ranking that includes Relay.
Relay reviews
Fact-checked July 18, 2026. Sources: Relay current Starter, Grow, and Scale pricing and APY, Relay subscription features and payment fees, Relay Thread Bank insured sweep program, Relay cash-deposit networks, fees, and limits, Relay Profit First account and transfer workflow, Relay bill approval rules, Relay invoice and payment-request fees.