Relay has been so easy to use! I love the ability to integrate QuickBooks and add accountants. Customer service has also been top notch! Uploading receipts is a breeze! I am able to upload "on the go"... See more
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Review summary
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What people talk about most
Reviews shaping this summary
Customer service is top-tier! I was helped to the maximum extent when opening my account initially and I couldn’t have been more welcomed into a banking family than with Relay Bank. Thank you for bein... See more
Company replied
As a new business owner, everything just made sense with Relay. The multi-sub-accounts is a dream with allocation of funds. Although, using Relay card as contactless/tap-to-pay in person typically ta... See more
Company replied
I had already been doing a version of Profit First with another bank when I heard about Relay. I was never able to fully implement the system without access to each account. Relay has provided all I n... See more
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Company details
- Bank
- also in
- Accounting Software Company
- Financial Institution
- Money transfer service
- Non-bank financial service
- Private Sector Bank
Written by the company
Relay is an online banking platform that puts business owners in complete control of their cash flow. By helping them clearly understand what they're earning, spending, and saving, Relay empowers entrepreneurs to make smarter decisions about their business and reach peak profitability. Disclaimer: Relay is a financial technology company, not a bank. Banking services are provided by Thread Bank; Member FDIC.
Putting you in complete control of your cashflow
Written by the company
- Know what you're earning, and make every dollar count
- When expenses pile up, clarity matters. Relay provides a detailed breakdown of every transaction, categorizes purchases automatically, and keeps receipts organized—no chasing required.
Industry leading customer support
Support when you need it
You can reach our Customer Experience team by phone at 1-888-205-9304 or via email at support@relayfi.com. Our hours of operation are 9am to 8pm EST, Monday through Friday.
Contact info
United States
- 1-888-205-9304
- support@relayfi.com
- relayfi.com
Highest rated business banking platform
4.3
Excellent
4k reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 81% of negative reviews
Typically replies within 2 weeks
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
They just make things far more…
They just make things far more complicated then they need to be and often a source of frustration.
22 September 2026
Reply from Relay Financial
Hi William,
We’re sorry to hear about your experience and thanks for sharing. It’s not the high standard our team works hard to provide Relay users.
We’re glad we could connect with you directly to address those challenges. If you have any questions or feedback in future, don’t hesitate to get in touch with our Customer Experience team for support at: support@relayfi.com
Have used Relay for several account…
Have used Relay for several account setups. They are always efficient and helpful
21 September 2026
Unprompted review
Reply from Relay Financial
Hi There!
Thank you for taking the time to write this review.
We love to see small businesses win, so we’re happy to hear you’ve enjoyed banking with Relay. It means a lot to the team.
Avoid Relay at all costs
Avoid Relay at all costs. Their onboarding and authentication architecture is fundamentally broken. After demanding highly sensitive corporate, personal, and banking documentation, their system completely fails to deliver verification SMS codes—locking applicants out with zero alternative 2FA fallbacks or voice verification options.
Worse, customer support is non-existent. Inquiries go completely ignored, leaving applications stalled indefinitely while your company's most sensitive data sits hostage on their servers.
Collecting full corporate formation papers, tax IDs, and identification while refusing to process applications or provide basic access looks far less like legitimate banking and far more like a data harvesting operation. If a fintech company cannot even deliver an authentication code or answer a support ticket, they should not be trusted with corporate funds. Complete waste of time and a serious privacy concern.
21 September 2026
Unprompted review
Reply from Relay Financial
Hi Murat,
We’re sorry to hear about your experience and thanks for sharing. It’s not the high standard our team works hard to provide Relay users.
We’re glad we could connect with you directly to address those challenges. If you have any questions or feedback in future, don’t hesitate to get in touch with our Customer Experience team for support at: support@relayfi.com
Was easy to setup
Was easy to setup, connect to stripe, and my few support needs so far have been promptly handled (thanks, Audrey!). Communication and general customer service has been great.
20 September 2026
Unprompted review
Reply from Relay Financial
Hi Zack,
Thank you for taking the time to write this review.
We love to see small businesses win, so we’re happy to hear you’ve enjoyed banking with Relay. It means a lot to the team.
Reply from Relay Financial
Thank you for the review, Alfred.
It’s great to hear you’ve had a positive experience with Relay and our Support team. We really appreciate you taking the time to share your feedback.
Excellent support throughout the account setup process
I had a very positive experience with Relay while setting up a new business banking account. The application required a few follow-ups, including correcting the legal business name, resolving a document-upload issue, and completing additional verification.
The Customer Experience team was responsive, professional, and patient throughout the process. They followed up internally when needed, kept me informed, and made sure each issue was resolved properly rather than giving generic responses.
I especially appreciated the prompt communication and attention to detail. The entire process ultimately went smoothly, and my account was successfully approved and activated.
Based on my experience so far, I’m very pleased with Relay’s customer service and would happily recommend them to other business owners.
18 September 2026
Unprompted review
Reply from Relay Financial
Thank you for the review!
It’s great to hear you’ve had a positive experience with Relay and our Support team. We really appreciate you taking the time to share your feedback.
No customer service
They asked for some information from me to keep the account open. Due to an illness I wasn't on top of my emails and I missed the deadline they had set. Because I missed it, they decided to close the account without the possibility to appeal. That's an odd way to conduct business, but hey, there are other banks out there! After being contacted by them, yet there is no willingness to understand what happened and how it can be resolved. Boldly claiming on their response to have addressed the challenges. No you have not!
18 September 2026
Unprompted review
Reply from Relay Financial
Hi David,
We’re sorry to hear about your experience and thanks for sharing. It’s not the high standard our team works hard to provide Relay users.
We’re glad we could connect with you directly to address those challenges. If you have any questions or feedback in future, don’t hesitate to get in touch with our Customer Experience team for support at: support@relayfi.com
I had a great experience with Relay
I had a great experience with Relay, especially with Audrey from their customer support. She was helpful, responsive, and patient as she answered my questions. I had several questions, and she took the time to explain everything clearly and guide me through the process. :)
19 September 2026
Unprompted review
Reply from Relay Financial
Thank you for the review, Gabriel.
It’s great to hear that you've had such a great experience with Audrey. Your feedback is important to our team, and thank you for choosing Relay!
They closed my account without any…
They closed my account without any explanation!!!
18 September 2026
Unprompted review
Reply from Relay Financial
Hi Aleksandar,
We’re sorry to hear about your experience and thanks for sharing. It’s not the high standard our team works hard to provide Relay users.
We’re glad we could connect with you directly to address those challenges. If you have any questions or feedback in future, don’t hesitate to get in touch with our Customer Experience team for support at: support@relayfi.com
Terrible company
Terrible company. I was with them for over a year and they abruptly shut down my account with no explanation aside from compliance making the choice. I have never done anything illegal, international based, or out of the norm. They gave me just 2 days to move my money out of my account. Complete scam. Do not bother
17 September 2026
Unprompted review
Reply from Relay Financial
Hi Janine,
We’re sorry to hear about your experience and thanks for sharing. It’s not the high standard our team works hard to provide Relay users.
We’re glad we could connect with you directly to address those challenges. If you have any questions or feedback in future, don’t hesitate to get in touch with our Customer Experience team for support at: support@relayfi.com
They closed the account without cause…
They closed the account without cause and then issued a worthless check to a foreign national! They insist they sent the check, but nothing has arrived; they are simply deceiving the business. I am still here seeking your assistance, but if this isn't resolved, I will file a complaint with third-party authorities, including the CFPB.
1 September 2026
Unprompted review
Reply from Relay Financial
Hi Antonetti,
We’re sorry to hear about your experience and thanks for sharing. It’s not the high standard our team works hard to provide Relay users.
We’re glad we could connect with you directly to address those challenges. If you have any questions or feedback in future, don’t hesitate to get in touch with our Customer Experience team for support at: support@relayfi.com
Rose was extremely helpful with the…
Rose was extremely helpful with the situation we had, overall the experience was great no difficulty and frustrating wait time.
Thanks Rose.
17 September 2026
Unprompted review
Reply from Relay Financial
Thank you for the review, Tashfeen.
It’s great to hear that you've had such a great experience with Rose. Your feedback is important to our team, and thank you for choosing Relay!
Reply from Relay Financial
Thank you for the review, Chris.
It’s great to hear you’ve had a positive experience with Relay and our Support team. We really appreciate you taking the time to share your feedback.
Relay is the best
16 September 2026
Reply from Relay Financial
Thanks, Yuksel, for this review.
We’re happy to hear you’ve enjoyed banking with Relay. It means a lot to the team.
Reply from Relay Financial
Hi Cristian,
We appreciate you taking the time to write this review. We're glad that you've enjoyed banking with Relay. Your feedback means a lot to us.
Reply from Relay Financial
Hi Jorge,
Thank you so much for your thoughtful review.
At Relay, we’re all about reimagining business banking for small businesses, so we're happy to hear that you've had a positive banking experience with us. Your feedback means a lot to our team.
Reply from Relay Financial
Thank you for the review, Nuda.
It’s great to hear that you've had a good experience with Relay. Your feedback is important to our team.
Reply from Relay Financial
Thank you for the review, Ruqia.
It’s great to hear that you've had a good experience with Relay. Your feedback is important to our team.
Great product
I love that I can automatically set aside profit and taxes into a separate account
13 September 2026
Reply from Relay Financial
Hi Andrew,
We appreciate you taking the time to write this.
We’re all about bringing cash flow clarity to small businesses, so it's good to hear that you’ve enjoyed your Relay experience. We’ll pass along your feedback to our team.
Reply from Relay Financial
Thank you for the review, Junaid.
It’s great to hear you’ve had a positive experience with Relay and our Support team. We really appreciate you taking the time to share your feedback.
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