Relay vs North One

Relay is an one of the best online business banking accounts for large teams. How does it compare to North One? 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 North One offers business banking with built-in financial tools. You get unlimited sub-accounts, a bill pay feature, and app integrations.

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

		North OneNovoBluevine
	Visit Site	Learn More
	Relay	North One
	SPECIAL OFFER No-Fee Business Checking - Learn More Read Relay Review	SPECIAL OFFER North One Plus Business Banking - Up to 3.00% APY - Learn More Read North One Review
	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 can create unlimited envelopes for savings goals
Checking	Up to 20 individual business checking accounts; no monthly fees; no overdraft fees	$0 monthly fee; no balance requirements
Monthly Fee	$0	$0
APY	N/A	up to 3.00% APY for Plus Accounts; up to 2.50% APY for Standard Accounts that meet eligibility requirements
Minimum Deposit to Open	$0	$50
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	up to $4.95 with Green Dot locations; 1 reimbursement/month (Standard members); 3 reimbursement/month (Plus members)
Customer Service	Phone: Monday - Friday, 9 am - 5 pm ET; Email: Everyday	Phone, email, and live chat: Monday - Sunday, 8 am - 10 pm EST.
Incoming Wire Transfer Fee	$0	$0 for domestic wires
Locations	Online only	Online only
Out of Network ATM Fee	Fee from ATM owner	$2.50 per transaction; 2 reimbursement/month (Standard members); 6 reimbursement/month (Plus members)
Outgoing Wire Transfer Fee	$5 for domestic; $10 for international	$20 for domestic wires
Overdraft Fee	$0	$0
	CreditDonkey® Reviews
Checking
Fees
Mobile App
Customer Service
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: No monthly fees Unlimited envelopes App integrations Cons: No international wires Up to $4.95 cash deposit fee
Bottom Line	One of the best online business banking accounts for large teams... Read full review	Good business banking features and tools with no monthly fees... Read full review
	Visit Site	Learn More
	No-Fee Business Checking 25% Discount on Scale Plan	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
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

Expires in 6 days

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: Relay or North One?

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

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

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.

• Relay vs Novo

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 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.

Which Do You Think is Best?

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