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NorthOne vs Relay

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

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

 NorthOneRelay
 Visit SiteVisit Site
 

NorthOne

Relay

SPECIAL OFFER
NorthOne Free Business Banking - Learn More

Read NorthOne Review

SPECIAL OFFER
No-Fee Business Checking - Learn More

Read Relay Review

 

Benefits and Features

SavingsNo savings account, but you can create unlimited envelopes for savings goalsEarn up to 3% APY: Earn 1% APY on savings balances of less than $50,000, 1.5% APY on savings between $50,000 and $250,000, 2% APY on savings balances between $250,000 and $1,000,000 and 3% APY on savings balances of more than $1,000,000.
Checking$0 monthly fee; no balance requirementsUp to 20 individual business checking accounts; no monthly fees; no overdraft fees
Monthly Fee
$0
$0
APY
N/A
N/A
Minimum Deposit to Open
$50
$0
ACH Transfer Fee
$0
$0
ATMs
38,000+ MoneyPass ATMs
55,000+ AllPoint ATMs
Balance Requirement
None
None
Cash Deposit Fee
$4.95
$0 for cash deposits at Allpoint ATMs
Customer ServicePhone, 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
$20 for domestic wires
$0
Locations
Online only
Online only
Out of Network ATM Fee
Fee from ATM owner
Fee from ATM owner
Outgoing Wire Transfer Fee
$20 for domestic wires
$5 for domestic; $10 for international
Overdraft Fee
$0
$0
 

CreditDonkey® Reviews

 NorthOneRelay
CheckingStarStarStarStarEmpty StarStarStarStarStarStar
FeesStarStarStarEmpty StarEmpty StarStarStarStarStarStar
Mobile AppStarStarStarStarStarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarStarStarStarStarStarEmpty Star
Pros & ConsPros:
  • No monthly fees
  • Unlimited envelopes
  • App integrations
Cons:
  • No APY
  • 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 LineGood business banking features and tools with no monthly fees... Read full reviewOne of the best online business banking accounts for large teams... Read full review
 Visit SiteVisit Site

No-Fee Business Checking

NorthOne: Information sourced from the published website as of 03/05/2024.

NorthOne

NorthOne Free Business Banking

  • 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

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

NorthOne

NorthOne Free Business Banking

  • Unlimited envelopes for all your business budgets
  • Integrations with popular accounting and payment processing apps
  • Automate your bill payments
  • $50 minimum opening deposit
NorthOne is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.
NorthOne

NorthOne Plus Business Banking

  • Priority email/chat support
  • Dedicated relationship manager
  • Implementation and onboarding assistant
  • $0 same-day ACH payments, bill payments, and physical checks
  • Lowest transaction fees
  • $50 minimum opening deposit
  • $20 monthly fee
NorthOne is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.
Relay

No-Fee Business Checking

  • $0 monthly service fee
  • $0 minimum opening deposit
  • Open up to 20 individual business checking accounts
  • Earn up to 3% APY with automated savings
  • Issue up to 50 Visa® debit cards to your team
Banking services provided by Thread Bank and Evolve Bank & Trust; Members FDIC.

Which is Better: NorthOne or Relay?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing NorthOne or Chase.

In short: NorthOne's customer service is impressive. Relay's checking and fees are excellent.


Articles on NorthOne

NorthOne Review

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

Is NorthOne Safe

NorthOne offers convenient online banking for small business owners. But is NorthOne 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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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.

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