Relay – Online Business Banking, Envelopes & Cash Management for US Small Businesses

#Quasa #QUA #Relay

Relay is online business banking for owners who want operating cash split before they spend it. It is a fintech, not a bank. Thread Bank, Member FDIC, holds the deposits, with sweep coverage cited up to $3 million if conditions are met. You can open up to 20 checking accounts on Starter, 50 on Scale, and auto-move deposits into tax, payroll, and profit buckets. Visa debit and credit cards carry limits and roles. Receipts sync to the books. Bills, approvals, and invoices sit in the same login. Starter is $0 a month. Grow is $30. Scale is $90, listed down from $120. Savings APY as of 17 September 2026 is 1.19%, 1.87%, and 3.21% by plan. The site cites 110,000-plus businesses and more than $1 billion in deposits.

𝐂𝗢𝗥𝗘 𝗦𝗧𝗥𝗘𝗡𝗚𝗧𝗛𝗦
• Separate accounts instead of one mixed balance
• Cards with limits, not a shared company card
• Bills and invoices next to the cash
• Accounting sync, including QuickBooks and Xero
• No monthly fee and no minimum on Starter  

𝗜𝗗𝗘𝗔𝗟 𝗙𝗢𝗥
US small businesses that already run payroll and want envelopes for tax and operating cash.

𝗛𝗜𝗚𝗛𝗟𝗜𝗚𝗛𝗧𝗦
• Auto-transfers on every deposit
• High-yield savings that steps up with the plan
• Cash back on the credit card, 1% to 1.5%
• Same-day ACH with no fee on Scale
• Unlimited users on published plans  

𝗣𝗢𝗧𝗘𝗡𝗧𝗜𝗔𝗟 𝗖𝗢𝗡𝗦𝗜𝗗𝗘𝗥𝗔𝗧𝗜𝗢𝗡𝗦
• Relay is not the bank; insurance is pass-through
• APY is variable and tied to the plan
• International wires run through a partner bank
• Credit is underwritten, not automatic
• A tidy account is not a profit  

𝗢𝗩𝗘𝗥𝗔𝗟𝗟 𝗩𝗘𝗥𝗗𝗜𝗖𝗧
4.3/5 stars. Use Relay when the job is “this dollar has a job.” Do not treat the app as a lender or as your accountant. Earn 1 QUA reward by reviewing on Quasa.io too!

𝗚𝗘𝗧 𝗦𝗧𝗔𝗥𝗧𝗘𝗗: https://quasa.io/projects/relay