Relay vs Chase

Relay is an one of the best online business banking accounts for large teams. How does it compare to Chase? Read our comparison chart below.

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.

While Chase is one of the biggest banks in the nation with more than 4,700 branches and over 15,000 ATMs. They offer a variety of banking, loans and investing services.

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

	Relay	Chase
		Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER No-Fee Business Checking - Learn More Read Relay Review	SPECIAL OFFER Chase Business Complete Banking® - Up to $500 Bonus - Learn More Read Chase Review
	Benefits and Features
Savings	Earn up to 3.76% APY: Earn 1.75% APY on monthly average savings balances of less than $10,000, 2.75% APY on monthly average savings balances between $10,000 and $50,000, and 3.76% APY on monthly average savings balances of more than $50,000.	Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 18. $0 to open. Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CD		Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking	Up to 20 individual business checking accounts; no monthly fees; no overdraft fees	Chase Total Checking® Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open. Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open. Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open. Chase Private Client Checking℠: For high net worth individuals who have $150,000 on deposit with Chase.
Monthly Fee	$0
APY	N/A
Minimum Deposit to Open	$0
Mobile App		iOS & Android
ACH Transfer Fee	$0
ATMs	55,000+ AllPoint ATMs	15,000+ Chase 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	Automated service available 24/7
Incoming Wire Transfer Fee	$0
Locations	Online only	Over 4,700
Out of Network ATM Fee	Fee from ATM owner
Outgoing Wire Transfer Fee	$5 for domestic; $10 for international
Overdraft Fee	$0
	CreditDonkey® Reviews

Checking
Fees
Mobile App
Customer Service
Savings
CD
Pros & Cons	Pros: Up to 20 checking accounts Up to 50 debit cards $0 monthly fee Earn interest with automated savings Cons: No paper checks	Pros: More than 4,700 branches New customer coupons Full service banking Cons: Low savings rates Not in all states
Bottom Line	One of the best online business banking accounts for large teams... Read full review	National bank with good promotions for new customers... Read full review
	Visit Site	Learn More
	No-Fee Business Checking	Chase Business Complete Banking® - Up to $500 Bonus Chase Private Client Checking℠ - Up to $3,000 Bonus Chase Total Checking® - $300 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Chase: Pricing information and data points from published website as of 10/21/2025.

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, Member FDIC.

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