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
25%
25% Discount on Scale Plan
Get Scale Plan for $90/month instead of $120/month. This offer is for a limited time only and may change without notice.
Compare Promotions
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
- Savings with up to 4.00% APY
Free Business Checking
- $0 monthly service fee
- $50 deposit to unlock all features
- ATM fee refunds up to $7 per month
Free Business Checking - Earn $500 Bonus
To earn the $500 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 03/31/2026 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
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
Free Checking Account for Small Business Owners
- $0 monthly service fees
- $0 minimum opening deposit
- No minimum balance requirement
- No foreign exchange fee
- Get direct deposits up to 2 days earlier
- Savings with up to 4.00% APY
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.
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.
Compare: Relay vs Lili
Checking
Up to 20 individual business checking accounts; no monthly fees; no overdraft fees
Up to 20 individual business checking accounts; no monthly fees; no overdraft fees
Compare: Relay vs Bank of America
Monthly Fee
$0
$0
Compare: Relay vs Novo
APY
N/A
N/A
Compare: Relay vs Bluevine
Minimum Deposit to Open
$0
$0
ACH Transfer Fee
$0
$0
ATMs
55,000+ AllPoint ATMs
55,000+ AllPoint ATMs
Balance Requirement
None
None
Cash Deposit Fee
$0 for cash deposits at Allpoint ATMs
$0 for cash deposits at Allpoint ATMs
Customer Service
Phone: Monday - Friday, 9 am - 5 pm ET; Email: Everyday
Phone: Monday - Friday, 9 am - 5 pm ET; Email: Everyday
Incoming Wire Transfer Fee
$0
$0
Locations
Online only
Online only
Out of Network ATM Fee
Fee from ATM owner
Fee from ATM owner
Outgoing Wire Transfer Fee
$8 for domestic; $5 (Local Network), $25 (SWIFT Network) for international
$8 for domestic; $5 (Local Network), $25 (SWIFT Network) for international
Overdraft Fee
$0
$0
- 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.
More Information
| | |
| Visit Site | Visit Site | |
Relay | Novo | |
|---|---|---|
Benefits and Features | ||
| 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. | No savings account, but you add up to 20 Reserves |
| Checking | Up to 20 individual business checking accounts; no monthly fees; no overdraft fees | No monthly fees; no balance requirements |
| Monthly Fee | ||
| APY | ||
| Minimum Deposit to Open | $50 to access all Novo's features | |
| ACH Transfer Fee | ||
| ATMs | up to $7 per month reimbursement of ATM fees worldwide | |
| Balance Requirement | ||
| Cash Deposit Fee | $0 for cash deposits at Allpoint ATMs | |
| Customer Service | Phone: Monday - Friday, 9 am - 5 pm ET; Email: Everyday | Phone, email, or in-app messaging: Monday - Friday, 9 am - 6 pm EST |
| Incoming Wire Transfer Fee | ||
| Locations | ||
| Out of Network ATM Fee | up to $7 per month ATM fee reimbursement | |
| Outgoing Wire Transfer Fee | $8 for domestic; $5 (Local Network), $25 (SWIFT Network) for international | |
| Overdraft Fee | ||
| Visit Site | Visit Site | |
Novo: Pricing information from published website as of 09/27/2025. | ||
Relay
Relay Alternatives
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
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Relay Financial Review
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