North One vs Relay

North One is a good business banking features and tools with no monthly fees. How does it compare to Relay? Read our comparison chart below.

North One offers business banking with built-in financial tools. You get unlimited sub-accounts, a bill pay feature, and app integrations.

While Relay lets you open up to 20 individual business checking accounts and 50 debit cards at no extra charge. There's also free cash deposits and free mailed checks through the app. There's no monthly fee.

Compare North One with Relay, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	North OneNovoBluevine
	Learn More	Visit Site
	North One	Relay
	SPECIAL OFFER North One Plus Business Banking - Up to 3.00% APY - Learn More Read North One Review	SPECIAL OFFER No-Fee Business Checking - Learn More Read Relay Review
	Benefits and Features
Savings	No savings account, but you can create unlimited envelopes for savings goals	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	$0 monthly fee; no balance requirements	Up to 20 individual business checking accounts; no monthly fees; no overdraft fees
Monthly Fee	$0	$0
APY	up to 3.00% APY for Plus Accounts; up to 2.50% APY for Standard Accounts that meet eligibility requirements	N/A
Minimum Deposit to Open	$50	$0
ACH Transfer Fee	$0	$0
ATMs	55,000+ Allpoint ATMs	55,000+ AllPoint ATMs
Balance Requirement	None	None
Cash Deposit Fee	up to $4.95 with Green Dot locations; 1 reimbursement/month (Standard members); 3 reimbursement/month (Plus members)	$0 for cash deposits at Allpoint ATMs
Customer Service	Phone, email, and live chat: Monday - Sunday, 8 am - 10 pm EST.	Phone: Monday - Friday, 9 am - 5 pm ET; Email: Everyday
Incoming Wire Transfer Fee	$0 for domestic wires	$0
Locations	Online only	Online only
Out of Network ATM Fee	$2.50 per transaction; 2 reimbursement/month (Standard members); 6 reimbursement/month (Plus members)	Fee from ATM owner
Outgoing Wire Transfer Fee	$20 for domestic wires	$8 for domestic; $5 (Local Network), $25 (SWIFT Network) for international
Overdraft Fee	$0	$0
	CreditDonkey® Reviews
Checking
Fees
Mobile App
Customer Service
Pros & Cons	Pros: No monthly fees Unlimited envelopes App integrations Cons: No international wires Up to $4.95 cash deposit fee	Pros: Up to 20 checking accounts Up to 50 debit cards $0 monthly fee Earn interest with automated savings Cons: No paper checks
Bottom Line	Good business banking features and tools with no monthly fees... Read full review	One of the best online business banking accounts for large teams... Read full review
	Learn More	Visit Site
	North One Plus Business Banking - Up to 3.00% APY North One Free Business Banking - Up to 2.50% APY Business Referral Program - $50 Bonus	No-Fee Business Checking 25% Discount on Scale Plan
North One: Information sourced from the published website as of 07/26/2025.

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.

Get Deal

25% Discount on Scale Plan

Get Deal

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

Which is Better: North One or Relay?

Still need help deciding which business is better? Read the in-depth reviews below. You may also be interested in comparing North One or Novo.

In short: North One's customer service is outstanding. Relay's checking and fees are excellent.

Articles on North One

NorthOne Review

North One is a banking platform for small businesses. But is it right for you? Find out the unique features it offers and how it compares.

• North One vs Novo
• North One vs Bluevine

Is NorthOne Safe

North One offers convenient online banking for small business owners. But is North One safe and legit? Read on to find out.

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.

Which Do You Think is Best?

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