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Relay

Relay Promotions

Relay is currently offering two promotions. Read our in-depth review of Relay to see why Relay scored 4.6 stars out of 5. We like their up to 20 checking accounts, up to 50 debit cards, $0 monthly fee, and earn interest with automated savings.

No-Fee Business Checking

  • $0 monthly service fee
  • $0 minimum opening deposit
  • Open up to 20 individual business checking accounts
  • Earn up to 2.68% APY with automated savings
  • Issue up to 50 Visa® debit cards to your team
Banking services provided by Thread Bank, Member FDIC.
25%

25% Discount on Scale Plan

Expires Tomorrow

Get Scale Plan for $90/month instead of $120/month. This offer is for a limited time only and may change without notice.

Novo

Free Business Checking

  • $0 monthly service fee
  • $50 deposit to unlock all features
  • ATM fee refunds up to $7 per month
Banking services provided by Middlesex Federal Savings F.A., Member FDIC
Lili

Free Checking Account for Small Business Owners

  • Sign up in 3 minutes; no credit check
  • No account fees - $0 monthly fee, overdraft fee, foreign transaction fee, or ATM fees at approximately 40,000 locations
  • Automatic Savings
  • Get paid up to 2 days early
Lili is a financial technology company, not a bank. Banking services provided by Sunrise Banks N.A., Member FDIC
North One

North One Free Business Banking - Up to 2.50% APY

  • 2.50% APY on balances up to $250,000 for eligible customers
  • Business banking for teams
  • Automatic invoice ingestion and payments
  • Sales and revenue analytics
  • Unlimited account envelopes
  • Close to 100 integrations
  • Over $5000 in perks for new customers
  • No monthly fees, no application fees, no minimum balance

North One is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.

Bluevine

Free Business Checking - Earn $500 Bonus

To earn the $500 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 01/31/2026 using the referral code CD500.

After opening your account, deposit a total of $5,000 within the first 30 days. After 30 days, maintain a minimum daily balance of $5,000 while also completing at least one of the following eligibility requirements every 30 days for 90 days:

  • Deposit at least $5,000 from eligible merchant services to your Bluevine account OR
  • Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers OR
  • Spend at least $2,000 on eligible transactions with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®

Banking services provided by Coastal Community Bank, Member FDIC

Expires 1/31/2026
Bluevine

Free Business Checking - Up to 1.3% APY

  • 1.3% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
  • $0 minimum opening deposit
  • $0 monthly service fee
Banking services provided by Coastal Community Bank, Member FDIC

Relay Checking Bonus

What is the checking bonus at Relay?

    Highlights

    Savings
    Earn up to 2.68% APY. Earn 0.91% APY on Starter Plan, 1.55% APY on Grow Plan, and 2.68% APY on Scale Plan.
    Checking
    Up to 20 individual business checking accounts; no monthly fees; no overdraft fees
    Monthly Fee
    $0
    Compare: Relay vs Novo
    APY
    N/A
    Minimum Deposit to Open
    $0
    Compare: Relay vs Lili
    ACH Transfer Fee
    $0
    ATMs
    55,000+ AllPoint ATMs
    Balance Requirement
    None
    Cash Deposit Fee
    $0 for cash deposits at Allpoint ATMs
    Customer Service
    Phone: Monday - Friday, 9 am - 5 pm ET; Email: Everyday
    Incoming Wire Transfer Fee
    $0
    Locations
    Online only
    Out of Network ATM Fee
    Fee from ATM owner
    Outgoing Wire Transfer Fee
    $5 for domestic; $10 for international
    Overdraft Fee
    $0

    More Information

  • For the complete terms and conditions, view the merchant's website. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. Please review the terms and conditions on the merchant's website.
 RelayNovo
 Visit SiteVisit Site
 

Relay

Novo

 

Benefits and Features

SavingsEarn up to 2.68% APY. Earn 0.91% APY on Starter Plan, 1.55% APY on Grow Plan, and 2.68% APY on Scale Plan.No savings account, but you add up to 20 Reserves
CheckingUp to 20 individual business checking accounts; no monthly fees; no overdraft feesNo monthly fees; no balance requirements
Monthly Fee
$0
$0
APY
N/A
N/A
Minimum Deposit to Open
$0
$50 to access all Novo's features
ACH Transfer Fee
$0
$0
ATMs
55,000+ AllPoint ATMs
up to $7 per month reimbursement of ATM fees worldwide
Balance Requirement
None
None
Cash Deposit Fee$0 for cash deposits at Allpoint ATMs
N/A
Customer ServicePhone: Monday - Friday, 9 am - 5 pm ET; Email: EverydayPhone, email, or in-app messaging: Monday - Friday, 9 am - 6 pm EST
Incoming Wire Transfer Fee
$0
$0
Locations
Online only
Online only
Out of Network ATM Fee
Fee from ATM owner
up to $7 per month ATM fee reimbursement
Outgoing Wire Transfer Fee$5 for domestic; $10 for international
N/A
Overdraft Fee
$0
$0
 Visit SiteVisit Site

Novo: Pricing information from published website as of 09/27/2025.


Relay Alternatives

Novo

Free Business Checking

  • $0 monthly service fee
  • ATM fee refunds up to $7 per month
  • Free ACHs, incoming wires, and mailed checks
  • Up to 20 Reserves to manage multiple budgets
  • Thousands of app integrations
Banking services provided by Middlesex Federal Savings F.A., Member FDIC

Articles on Relay

Relay Financial Review

Relay Financial offers online banking services for businesses. Yes, it is free. But, is it the right platform for you? Find out.

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About CreditDonkey
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*Terms and conditions apply. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. Please review the merchant's website for terms and conditions.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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