Best Business Bank Accounts · pricing · Updated June 2026
Relay pricing (2026)
Relay starts at $0/mo (Starter), across 3 plans. Best for Small businesses using Profit First cash management methodology. Every figure links to Relay's own page and the date we captured it.
At a glance
- Entry price: $0/mo (Starter)
- Free tier: Yes
- Compliance: HIPAA — · SOC 2 — · GDPR —
- Best for: Small businesses using Profit First cash management methodology; Real estate investors needing multiple dedicated accounts; E-commerce businesses; Home services companies; Agencies managing multiple client or project accounts; Businesses with active accounts payable workflows
Relay plans & pricing
| Plan | Monthly | Annual | Billing | Notes | Source |
|---|---|---|---|---|---|
| Starter | $0 | — | flat | Free. Up to 20 checking accounts. Debit and credit cards (virtual and physical). 1% cash back. 1.11% APY on savings (variable, as of 2026-05-01, tied to Federal Funds rate). Basic bill management. Payment links and invoicing. | relayfi.com |
| Grow | $30 | — | flat | 1.25% cash back. 1.75% APY on savings (variable). Multi-step approval workflows, batch payments, reduced transaction fees. Recurring invoices with auto-charge. | relayfi.com |
| Scale | $120 | — | flat | Regular published price $120/mo. Currently discounted to $90/mo for a limited time. Up to 50 checking accounts. 1.5% cash back. 3.00% APY on savings (variable). Same-day ACH automation (10 free/month). | relayfi.com |
Last verified 2026-06-14. Official pricing page: https://relayfi.com/pricing (fetched directly, full content returned). Scale plan regular price $120/mo confirmed; $90/mo is a limited-time promotional discount.
Capabilities
Integrations: QuickBooks Online, Xero, Gusto, Plaid, Yodlee, Collective.
Key features: Up to 20–50 checking accounts for Profit First cash allocation methodology; High-yield savings with variable APY (up to 3.00% on Scale); 1%–1.5% cash back on Visa debit and credit cards; Accounts payable with bill upload, task delegation, and approval workflows; Accounts receivable with invoicing and flexible payment options; Receipt capture and auto-sync to accounting software; Batch payments and multi-step approval workflows (Grow/Scale); International payment services via Nium/CFSB partnership; Same-day ACH automation (Scale plan); Recurring invoices with auto-charge (Grow/Scale).
Plan limits: Starter: up to 20 checking accounts; Scale: up to 50 checking accounts; Scale: same-day ACH automation limited to 10 free/month; FDIC insurance up to $3M through deposit sweep program (Thread Bank partner); Banking services provided by Thread Bank — Relay is not an FDIC-insured bank; APY on savings is variable and tied to Federal Funds rate.
Frequently asked questions
How much does Relay cost?
Relay starts at $0/mo (Starter); it has 3 published plans. Verified 2026-06-14.
What are cheaper alternatives to Relay?
Cheaper business bank accounts than Relay (entry $0/mo) include Brex at $12/mo, Lili at $15/mo, Found at $26.25/mo. Verified 2026-06-14.
Does Relay support HIPAA?
Relay HIPAA support: —. SOC 2: —. GDPR: —.
Does Relay have a free plan?
Relay free tier: Yes.