Relay vs U.S. Bank

Relay is an one of the best online business banking accounts for large teams. How does it compare to U.S. Bank? 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 U.S. Bank has over 2,000 branches across 26 states. It has somewhat high minimum balance requirements to waive monthly checking account service fees. Their promotional CD Special offers high interest rates with a $1,000 minimum opening deposit.

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

	Relay	U.S. Bank
		Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER No-Fee Business Checking - Learn More Read Relay Review	SPECIAL OFFER U.S. Bank Investment Account - $1,000 Bonus Read U.S. Bank 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.	Bank Smartly® Savings: Minimum deposit $25. Monthly maintenance fee $5, unless you have a Bank Smartly® Checking, or Safe Debit account, or Bank Smartly™ Visa Signature® card, or for accounts with a minor under the age of 18.
CD		Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000.
Checking	Up to 20 individual business checking accounts; no monthly fees; no overdraft fees	Smartly Checking
Monthly Fee	$0
Money Market		0.01% - 0.05% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee is $10 unless you open a U.S. Bank Smartly Checking account and enroll in the Smart Rewards® Gold tier or above, or maintain a $10,000 minimum daily balance.
APY	N/A
Minimum Deposit to Open	$0
Mobile App		iOS & Android
ACH Transfer Fee	$0
ATMs	55,000+ AllPoint ATMs	4,700+ U.S. Bank ATMs across the country
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	24/7 Live Customer Service (Telephone)
Incoming Wire Transfer Fee	$0
IRA Money Market		Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees.
Locations	Online only	2,000+ branches
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
CD
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: Promo CD with high APY Free student account 24/7 customer service Cons: Low standard savings APY
Bottom Line	One of the best online business banking accounts for large teams... Read full review	Big national bank with wide array of services and many account options... Read full review
	Visit Site	Learn More
	No-Fee Business Checking 25% Discount on Scale Plan
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. U.S. Bank: Pricing information from published website as of 05/16/2026 based on 91107 zip code.

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 U.S. Bank?

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.

In short: Relay's checking is excellent.

Articles on Relay

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U.S. Bank Savings Account Interest Rate

U.S. Bank offers a beginner-friendly savings account with a decent APY if you qualify for relationship rates. Is it worth it? Read on to find out.

Who Owns U.S. Bank

U.S. Bank is owned by its multiple institutional and individual shareholders. If you're curious about its safety, read on to learn more.

U.S. Bank Business Checking Requirements

Opening a U.S. Bank business checking account can be fast and easy. Most allow online application and require fewer documents than other banks.

U.S. Bank Complaints

U.S. Bank may be one of the best-established banks in the U.S. But it's not exactly problem-free. Here's what you may encounter.

U.S. Bank vs Chase Business Checking

U.S. Bank offers a free business checking account, while Chase offers more features. Which is better? Find out here.

U.S. Bank Checking Account Bonus

Get a bonus when you open a new account with U.S. Bank. Learn more about their bonuses to kick-start your banking journey.

U.S. Bank Business Checking Account

Boost your business with a business checking bonus from U.S. Bank. Learn how to make the most out of this offer.

U.S. Bank Routing Number

To transfer money in or out of your U.S. Bank checking or savings account, you'll need the right routing number. Find your U.S. Bank routing number below.

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Which Bank Account is Right for You?

Relay vs U.S. Bank

Relay

U.S. Bank

Benefits and Features

CreditDonkey® Reviews