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Relay Financial Reviews 2,801

TrustScore 4.5 out of 5

4.5

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers appreciate the straightforward and smooth processes, from initial application to account setup. People highlight the user-friendly platform, especially the ease of opening and managing multiple accounts, which is beneficial for organizing finances. The possibility to manage several accounts is seen as life-changing, especially for small business owners. Consumers consistently praise the exceptional customer service, noting quick response times and knowledgeable staff. Reviewers feel valued and supported, with many reporting that their issues are resolved efficiently and with a personal touch. The team's professionalism and willingness to go the extra mile are frequently mentioned, reinforcing trust and satisfaction.

Based on these reviews

Rated 5 out of 5 stars
Redirected

Great customer service. Just always opt for the call back when needing to speak with someone. My issue was resolved quickly, it was expedited since Im outside the country. Very helpful team. I also l... See more

Company replied

Rated 5 out of 5 stars
Verified

Relay made it so simple for me to sign up for both a business checking and saving accounts. Transferring funds from my California accounts to Relay was easy to do also. I would highly recommend thei... See more

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Rated 5 out of 5 stars
Redirected

So far, I've had excellent service working with Relay. Anytime I've reached out by email, my problem or situation has been resolved within 24 hours. If you're a startup / online business, I recommend... See more

Company replied

Rated 5 out of 5 stars
Verified

So far I have really loved Relay. I found it a few months ago when looking for a small business alternative through a Wyoming LLC management company and it has been very professional, organized, and g... See more

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Rated 5 out of 5 stars
Verified

The biggest thing I love about Relay is how simple they make it to follow the Profit First method. Having multiple accounts set up (I use five) is seamless, and moving money between them is quick and... See more

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Rated 5 out of 5 stars
Verified

Amazing business bank. Easy to setup and start using. Support of multiple accounts and virtual cards allows for quick governance straight out of the gate without having to worry about fees.

Company replied

Rated 5 out of 5 stars
Verified

The multiple accounts without fees is phenomenal. 20+ accounts. the ability to look at all the different accounts and balances at once is life changing. I own a small business / restaurant. I h... See more

Company replied

Rated 5 out of 5 stars

Banking with Relay is simple and extremely convenient. Any time an issue or question has come up I reach out to them and it is answered and or resolved quickly and efficiently. During the process wh... See more

Company replied

Rated 5 out of 5 stars

Just enjoyed the Relay webinar. Shannon and Greg were great. Clear communication, good detail. It’s time for exactly this type of financial service. Potential for 20 accounts? EXACTLY what we’re looki... See more

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Rated 5 out of 5 stars

Finally a bank that I like and seems to actually care about tech. Also, they have really nice customer support, they just helped me add a DBA.

Rated 5 out of 5 stars

I have been with Relay now for few years .. I cant recall a big problem throughout these years, but most importantly, is when I have a problem (which will happen regardless) and seek for help .. How w... See more

Company replied

Rated 5 out of 5 stars

Amazing experience working with Relay! Always so helpful, timely with responses, and they do a great job of listening to any issues that arises and taking immediate action to resolve. I can't say enou... See more

Company replied

Rated 5 out of 5 stars

Relay is one of the few banks that didn’t give me a single headache. The entire process—from application to account setup—was smooth and straightforward. If you're struggling to open a business bank... See more

Company replied

Rated 5 out of 5 stars

Relay's customer service is almost equivalent to a small home town brick and mortar bank. Every time I have a question I do not have to wait long or go through routing questions. They answer calls,... See more

Company replied

Rated 5 out of 5 stars

I've been a customer of Relay Financial since 2020. I make bank transfers from India. It's fairly simple to use bank services for international and domestic transactions. If there are any questions,... See more

Company replied

Rated 5 out of 5 stars

I was unable to log in to my Relay account on both the computer and the phone. Wenj was very knowledgeable and efficiently helped me log in. I am delighted with Relayfi's service.

Company replied

Rated 5 out of 5 stars
Redirected

I’ve been with Relay for a few years now. After thoroughly researching platforms for my small business needs, I was immediately drawn to two things. 1. Their Profit First method. This really... See more

Company replied

Rated 5 out of 5 stars

Relay hands down has the best customer service. Very refreshing, I must add. I now have 5 different accounts with Relay because of there customer service. I actually can say that I really trust them w... See more

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Rated 5 out of 5 stars

I was in a bind with a big, time-sensitive payment and a penalty fee looming. I explained my case to the Relay team, and they resolved it in a single business day. Their understanding and efficienc... See more

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Rated 5 out of 5 stars
Redirected

Relay has proven to be a modern, reliable banking platform with outstanding customer support. During a challenging situation with a temporary account blockage, their support team responded quickly, pr... See more

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Rated 5 out of 5 stars
Verified

Relay has repeatedly impressed me by exceeding my expectations when confronting any issue. Their streamlined platform and super quick customer service eased my mind after moving from a tradition... See more

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Rated 4 out of 5 stars

I have only been with Relay for a month so that’s why I am not giving 5 stars yet but asides from that everything has been excellent. Really took my time finding the right bank and so far it seems I h... See more

Company replied

Rated 5 out of 5 stars
Verified

As a brand new business, Relay has made the banking side of this for me a lot easier. It is flexible and yet thorough to meet current needs and future and growth.

Company replied

Rated 5 out of 5 stars

Excellent customer service and seamless website that keeps getting better. I love their automations and it has been a really great bank to use Profit First principles with.

Company replied

Rated 5 out of 5 stars

When I called the Relay's customer service this morning, I thought I had an issue that was going to take days to remedy. Rai listened to my issue and understood exactly what had to be done to correct... See more

Company replied

Rated 3 out of 5 stars

They answered my question and did what I needed to get them done but a few touching points. 1) They are using cheap voice system 2) The agent was very polite and somewhat knowledgeable but defin... See more

Company replied

Rated 5 out of 5 stars

I continue to be impressed with the friendly professionalism of the staff at Relay. As a new business owner just getting off the ground, and not at all familiar with business banking, all of my concer... See more

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Rated 5 out of 5 stars
Verified

They made it easy to set up multiple accounts to keep everything nice and neat. Great for following thr "Profit First" way of doing business.

Company replied

Rated 5 out of 5 stars
Redirected

From the very first interaction, Relay Bank's customer service exceeded all my expectations. The support was fast, clear, and highly professional. Every question I had was answered with precision... See more

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Rated 5 out of 5 stars

Wenj was amazing and incredibly helpful. I appreciate his kindness. He listened attentively, explained things clearly, and guided me through the entire process.

Company replied

Rated 5 out of 5 stars
Verified

Everything was excellent and highly recommended. I wish they had support in more languages, but otherwise, everything was perfect.

Company replied

Rated 5 out of 5 stars

Relay offers a greater value to a small or starting business than any other financial institution that I have seen to date!!!! Being able to have multiple accounts and to be able to compartmentalize i... See more

Company replied

Rated 5 out of 5 stars

They are a huge help for my online business! Supports are very helpful also which I truly like, process was so smooth and not so strict company. Thank you very much! Highly recommend.

Company replied

Rated 5 out of 5 stars

Relay has quickly become one of my crucial tools for scaling & managing business finances. The platform is clean, intuitive, and purpose-built for modern founders. From multi-account setups to... See more

Company replied

Rated 5 out of 5 stars
Verified

The process is very simple and solved a serious problem that I had as a foreigner for my company in the USA.

Company replied

Rated 5 out of 5 stars

Great customer support specially from Sofie she was super top notch.

Company replied

Rated 5 out of 5 stars

Despite issues technically, once the engineering team of Carlo and her associate got on a video call to help me through the weeks long set of problems - they did so expediently, efficiently, professio... See more

Company replied

Rated 5 out of 5 stars

I had issue with 2FA past couple of days and it was a horror for me not beeing able to log in thanks to Rhey he called me today and ressolved any issue. CUSTOMER SUPPORT TOP NOTCH! Tip: if you... See more

Rated 5 out of 5 stars

One username logs into multiple LLC bank accounts! Relay has wonderful customer support when I reach out to them. I get around the website well. They treat you well without your LLCs each having earne... See more

Company replied

Rated 5 out of 5 stars
Verified

I'm going to edit my review- I'll leave as 5 Stars for now, but that result will be determined. I know people are seeing this, so... Right after posting this review (which I wholeheartedly mea... See more

Company replied

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Company details

  1. #12 of 28 best companies in Bank
  2. #7 of 14 best companies in Accounting Software Company
  3. #62 of 106 best companies in Financial Institution
  4. #17 of 31 best companies in Money Transfer Service
  5. #173 of 250 best companies in Non-Bank Financial Service
  6. #1 of 2 best companies in 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

Promotion box for Relay Financial

Highest rated business banking platform

No monthly fees or minimum balances, create up to 20 checking accounts

4.5

Excellent

TrustScore 4.5 out of 5

3K reviews

5-star
4-star
3-star
2-star
1-star

Replied to 85% of negative reviews

Typically replies within 2 weeks


Rated 1 out of 5 stars

Relay Financial is a SCAM, stay away!

I set up a small business account. Transferred money in. Then they determined that my account was not approved...never gave me a reason... There were no transactions on my account other than my initial balance transfer INTO my new account. So I then tried to transfer my balance out of their bank. They still have not allowed this. There are no pending transactions, nothing. I can't get a human to contact me. So they have essentially stolen my initial balane that I transferred in.

October 1, 2025
Unprompted review
Rated 1 out of 5 stars

I think I’m done with Relay

I’ve been using Relay Financial for a couple of years now and can no longer recommend this “bank”. I was just on hold waiting for 30 mins for a rep. Previously the longest I waited was 5-6 mins. This time the rep was rude, would not create a technical ticket and when I asked to speak with a supervisor he refused and told me I refused his instructions (which was false). Relay changed their security protocol and told me it was an apple problem. Even those all other financial and banking apps and sites function without an issue. Relay used to be great and I told everyone, now…not so much. I think its time to make a change, the customer support is in the toilet.

October 14, 2025
Unprompted review
Rated 1 out of 5 stars

Incompetent Financial Failures

So I received a suspicious activity alert and noticed a charge I didn’t recognize. When I checked my account, the charge didn’t even appear, which was both a relief but concerning.

I tried to report it as unusual per the email, but the verification code I was required to enter was sent to a phone number I stopped using over a year ago!

This isn’t the first time Relay has failed to update my contact information, even though I’ve corrected it before. It’s absolutely ridiculous that my outdated info remains in their system. This kind of negligence is exactly how fraudulent activity slips through!

Every time I think Relay’s service can’t get worse, they prove me wrong.

By the way, the only way I've been able to actually get someone to contact me (notice I didn't say "help", just that someone would contact me) is by leaving a review about my experience.

They like to respond here to appear as though they care, but it's all for show. Relay is not a bank, and the bank they're tied to, "Thread Bank", is equally a joke.

October 11, 2025
Unprompted review
Rated 1 out of 5 stars

Compliance sold $17k and has no proof

Deposit a teller check 20k and compliance team at Relay said teller check bank recall. Relay took my remaining balance $17k and said they sent it to the other bank. I check with bank I got the teller check and they didn't recall check and the 20k check was cleared. I sent my proof they didn't recall. I have requested proof from Relay/Thread and ask what they did with my remaining balance over $17k. It's been two days of sending emails and phone calls to support team and compliance to find out what they did with my money.

Everytime I called they say they can't give me any info on where my money got transfer to. Without getting any proof it raises Red Flags and they sold my money.

I suggest if you are putting any money in account don't go over 10k or you will be screw and Relay/Thread will take your money.

October 9, 2025
Unprompted review
Rated 1 out of 5 stars

You can put money in but never get it out

I have never been able to get money out of the account, only deposit money into the account. The many times I've called for support I was not able to be helped. I had to submit a letter to a bank board to make a payment with my visa debit card for over 200.00. I had to wait a week and only was allowed to go over that amount on a specific day. The communication was delayed and I was not able to use the card for the higher amount because the specific day passed that was approved. In other words you can't get money out of the account which had plenty of money in it. This week I received a letter stating I was non complaint and they were going to shut the account down in 10 days and any money in it was basically theirs if I didn't get it out. Again calling support in a panic because I've never been able to get my money out of the account, I asked what I was non compliant about. I've never been able to get money out of the account. The support person was nice but said she could not tell me. When I asked for something in writing and to talk with someone that could explain this she said no one will explain it or get back to me. WHAT? I've had bank accounts for 59 years and never have had this type of problems.

October 3, 2025
Unprompted review
Rated 5 out of 5 stars

2FA issue ressolved thanks to great support

I had issue with 2FA past couple of days and it was a horror for me not beeing able to log in thanks to Rhey he called me today and ressolved any issue.

CUSTOMER SUPPORT TOP NOTCH!

Tip: if you call outside the US let your number for support to call you back otherwise you gonna get extreme high internation fee for the call.

October 8, 2025
Unprompted review
Rated 5 out of 5 stars
Redirected

Great customer service!

Great customer service. Just always opt for the call back when needing to speak with someone. My issue was resolved quickly, it was expedited since Im outside the country. Very helpful team. I also like the app very much as well. Everything works well with this online bank and I highly recommend it.

October 7, 2025
Unprompted review
Relay Financial logo

Reply from Relay Financial

Hi Camoria,

Thank you for your thoughtful review! We’re so glad our team was able to resolve your issue quickly and support you while you were abroad.

It’s also great to hear you’re enjoying the app and overall experience with Relay. We truly appreciate your recommendation.

Rated 5 out of 5 stars
Redirected

Relay makes banking easier!!

October 7, 2025
Unprompted review
Relay Financial logo

Reply from Relay Financial

Hi Business Support,

Thanks for your review! That’s exactly what we aim for: Making banking for small businesses simple and easy for cash clarity!

Rated 5 out of 5 stars

Despite issues technically

Despite issues technically, once the engineering team of Carlo and her associate got on a video call to help me through the weeks long set of problems - they did so expediently, efficiently, professionally and with wonderful communication skills that made it an easy fix.

October 7, 2025
Unprompted review
Relay Financial logo

Reply from Relay Financial

Hi Mariano,

Thank you for sharing your experience! We’re glad to hear that even though you ran into some technical issues, Carlo and the engineering team were able to resolve everything for you.

We’ll be sure to pass along your kind words. It means a lot to our entire team.

Rated 1 out of 5 stars

Disappointing Experience

Disappointing Experience
Our experience with Relay Bank was very frustrating. Account setup was simple, but ongoing operations were filled with issues.
Customer service repeatedly failed to provide clear answers, and two wire transfers were returned without explanation.
Each interaction required multiple follow-ups and unnecessary delays — everything took much longer than it should have.
We ultimately decided to close both accounts due to the ongoing complications.

October 7, 2025
Unprompted review
Rated 5 out of 5 stars
Verified

Navigation facile

Navigation facile, explication claire

October 7, 2025
Relay Financial logo

Reply from Relay Financial

Hi Henry,

Thank you for your review!

It’s great to hear that you've had a good experience with Relay. Your feedback is important to our entire team.

Rated 5 out of 5 stars

So far so good

So far so good! Thanks for your help!

October 6, 2025
Unprompted review
Relay Financial logo

Reply from Relay Financial

Thanks, CSBH Homes, for this review.

We’re happy to hear you’ve enjoyed banking with Relay. It means a lot to the team!

Rated 5 out of 5 stars

Great customer service and ease of use.

Great customer service and ease of use.

October 3, 2025
Unprompted review
Relay Financial logo

Reply from Relay Financial

Thank you for the review, Chirag!

It’s great to hear that you've had a good experience with Relay and our Support team. We appreciate you taking the time to provide feedback.

Rated 5 out of 5 stars
Redirected

Relay is great

Relay is great, everything about them is 100% professioal!!!

October 1, 2025
Unprompted review
Relay Financial logo

Reply from Relay Financial

Thank you for the review, Damian.

It’s great to hear that you've had a good experience with Relay. Your feedback is important to our entire team.

Rated 5 out of 5 stars
Verified

One of the Best Banks in America!

Everything was excellent and highly recommended. I wish they had support in more languages, but otherwise, everything was perfect.

October 2, 2025
Relay Financial logo

Reply from Relay Financial

Hi Ariel,

Thank you for the kind words and recommendation!

We’re so glad to hear everything has been great so far, and we appreciate your feedback on language support as we continue to grow.

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