Relay vs UFB Direct

Relay is an one of the best online business banking accounts for large teams. How does it compare to UFB Direct? 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 UFB Direct specializes in online savings accounts with competitive APYs. The UFB Savings has no monthly fees and comes with a complimentary ATM card, while the UFB Money Market has balance requirements but offers check-writing privileges.

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

	Relay	UFB Direct
		Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER No-Fee Business Checking - Learn More Read Relay Review	SPECIAL OFFER UFB Freedom Checking - 2.00% APY - Learn More Read UFB Direct Review
	Benefits and Features
Savings	Earn up to 3.00% APY. Earn 1.11% APY on Starter Plan, 1.75% APY on Grow Plan, and 3.00% APY on Scale Plan.	Up to 3.26% APY
CD		N/A
Checking	Up to 20 individual business checking accounts; no monthly fees; no overdraft fees	N/A
Monthly Fee	$0
Money Market		Up to 3.26% APY
APY	N/A
Minimum Deposit to Open	$0
Mobile App		iOS & Android
ACH Transfer Fee	$0
ATMs	55,000+ AllPoint ATMs	Free withdrawals at 91,000 ATMs across the nation
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	Mon - Fri: 8 am - 5 pm PT
Incoming Wire Transfer Fee	$0
Locations	Online only	Online only
Out of Network ATM Fee	Fee from ATM owner
Outgoing Wire Transfer Fee	$8 for domestic; $5 (Local Network), $25 (SWIFT Network) for international
Overdraft Fee	$0
	CreditDonkey® Reviews

Checking
Fees
Mobile App
Customer Service
Savings
Money Market
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: Competitive APYs Easy online banking Cons: Limited transactions No physical locations
Bottom Line	One of the best online business banking accounts for large teams... Read full review	Safe digital bank for high APYs on personal savings and MMAs... Read full review
	Visit Site	Learn More
	No-Fee Business Checking 25% Discount on Scale Plan	UFB Freedom Checking - 2.00% APY UFB Freedom Checking & Savings - Unlock Up to 3.46% APY UFB Portfolio Money Market - Earn up to 3.26% APY
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. UFB Direct: Pricing information from published website as of 04/28/2026.

No-Fee Business Checking

$0 monthly service fee
$0 minimum opening deposit
Open up to 20 individual business checking accounts
Earn up to 3.00% 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: Relay or UFB Direct?

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