88% of owners face cash flow challenges

23:I[3004,["/_next/static/chunks/0h2qsuyze9ds1.js","/_next/static/chunks/1ymt1shyhmu-4.js","/_next/static/chunks/291ciwmgtp_xc.js","/_next/static/chunks/2owa30hnifmhr.js","/_next/static/chunks/3-jqhyvw3d7y0.js","/_next/static/chunks/21h5qhhcg7tzz.js","/_next/static/chunks/3euacrioc5_13.js","/_next/static/chunks/03wn0-bzh3abk.js","/_next/static/chunks/3h6uqn9kl0thz.js"],"EmailPreview"] 26:I[27201,["/_next/static/chunks/0h2qsuyze9ds1.js","/_next/static/chunks/1ymt1shyhmu-4.js","/_next/static/chunks/291ciwmgtp_xc.js","/_next/static/chunks/2owa30hnifmhr.js"],"IconMark"] 24:T8d94, 88% of owners face cash flow challenges

Hi there,

Most small business owners run everything through one checking account—and spend too much time guessing where they actually stand.

Relay does things differently: up to 20 accounts to keep your cash organized, no hidden fees, no overdraft fees, no minimum balance requirements, and direct integrations with QuickBooks Online and Xero.

150,000+ business owners use it. Most switched because their bank was making a simple thing complicated.

Not sure where to start? This might help.

Get the Cash Flow Compass

The Relay Team

Relay Financial Technologies, Inc. © 2026
60 Adelaide East, Suite 700, , Toronto, Ontario M5C 3E4, Canada

Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank; Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. The Relay Visa® Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® cards are accepted. The Relay Visa® Credit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® cards are accepted.

*Terms and conditions apply to the cash back rewards program. Cash back will be credited to your Relay checking account at the end of your 30-day billing cycle. ATM transactions, the purchase of money orders or cash equivalents made with your Relay Visa® Credit Card are not eligible for cash back. Please refer to the Visa® Signature Rewards Program Terms & Conditions for more details.

¹ For Relay Subscription Plans with an interest-bearing deposit account, the interest rate and Annual Percentage Yield (APY) on your account are accurate as of 5/1/2026 and are variable and subject to change based on the target range of the Federal Funds rate. Fees may reduce earnings:

When you are subscribed to the Starter Plan, the interest rate on your savings accounts is 1.10% with an APY of 1.11%.
When you are subscribed to the Grow Plan, the interest rate on your savings accounts is 1.74% with an APY of 1.75%.
When you are subscribed to the Scale Plan, the interest rate on your savings accounts is 2.96% with an APY of 3.00%.

For any deposit products (checking or savings accounts) or services provided by Thread Bank, Member FDIC (Relay's Sponsor Bank), FDIC insurance is available for funds on deposit through Thread Bank. Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions on the sweep program. Pass-through insurance coverage is subject to conditions.

25:T30d7,Learn how to be the other 12% 👉 Hi there, Most small business owners run everything through one checking account—and spend too much time guessing where they actually stand. Relay does things differently: up to 20 accounts to keep your cash organized, no hidden fees, no overdraft fees, no minimum balance requirements, and direct integrations with QuickBooks Online and Xero. 150,000+ business owners use it. Most switched because their bank was making a simple thing complicated. Not sure where to start? This might help. Get the Cash Flow Compass (https://dMf2Nk04.na3.hubspotlinks.com/Ctc/RN+113/dMf2Nk04/VW7T8C2Z9076W55kz5x47Xj8MW6tdK5Q5SvKQQMSn_px3gVDYW8wLKSR6lZ3nWW6g6nVd8jlFr0W82dRxc5GZK74W3YGThD2XqCHtW30-_tY4JkkfYN8q782zYlZsvW5GYJvR3Mb_w2W3sqYs18gTgHXW7KYxZZ3QnDDzW86wJ5s6zgjp0W5tCnM86NN5qWW3BgCRP3nmRBSN6DbblwKvnSxW5t7vK51TX1kCVL_qsp3p1rySW1cG2N35WX3RkN8cKzy-_FwC_N1snQT2fpXjnW2DGJcG8Y7hv6VjS4sx7PsLTmW18SdXf8Y09FDW2mP73321gR9BW58zCZT8dDlSSN8NBv0YnT0qfW7FS33B56sLFTMy52kpBb94tW7sWwPH8-z-0sW1gNh2s4fK__DW1qvpN06pjqf2f97f6kb04 ) The Relay Team YouTube (https://dMf2Nk04.na3.hubspotlinks.com/Ctc/RN+113/dMf2Nk04/VW7T8C2Z9076W55kz5x47Xj8MW6tdK5Q5SvKQQMSn_mM5n4LbW50kH_H6lZ3nnW1r2YHL1-25sdW4jwb3p7w0lgrVhNfQz6BwT0CW63w5934YwfnqW2mJCGV2rxQPcW5H4s5w6VwlGKW8PzPMH5v2HxzW3NFg8F704CxCW6ZgQb053jbxfW8WNt4h7FmJ5vW6_f9925kSBnpW5Mm0m91d3ZGmW7qh3Bj8y60BMW1czy4c3P5JrGW9bMVP96LkvKTW1nfDHw7GzrzNW4qZ4XT2n_CgGW18krfk3gVygRW5B3d3K4kWct4W8zMbBG2Bx0C4W6tb3y247ZDY2W6r31gV8LxsfdW930Qlc4HjjT6W51kDhn5jlyvQN9gv_05lJnMyW4yx37l9jWmB2W7dDRB61MRmWSW3FVsRD6Z7XDrW4LY8Dr2MBQLsW6h-fbY1HrX43W61HlNj3jQ-CBW8SfNRJ5fX2xBf6k8YG604 ) Instagram (https://dMf2Nk04.na3.hubspotlinks.com/Ctc/RN+113/dMf2Nk04/VW7T8C2Z9076W55kz5x47Xj8MW6tdK5Q5SvKQQMSn_pR3pyd0W95jsWP6lZ3nbW5dn_1j3Yc6t1W8786Bt5wZqqHW3dwgk23-knmcW2wGpms3nk6WPW81DHJK2h0DGbW1f8DrD3tk37WW3hTPJl83xzGWW7CNZ9Z4QKsqpW782Lvq2YQVTXW1Gm7lZ65L8Q-W2gYpcw8zJCf1W2zQ1-r3GHVp5W92Q2_d92FxmyW36vJJw5Tvj06W5nMtSF63ng44N6_ktY5S83S_W15PbMM5lyRLGW4pmK6879JxZFW5k2tYr386sNBVxzLkq6PSPsmW8yLCf74WFrLJW26x43R9ggTnJW422NY62Lrv52N5MS72xb2L4QVCWZH17BNj69W61LtRM5bLRqMW1668q51JsBnnW4twZ2L7wcS3bW57TT1F98lpCpMYYrXGc5kZGf5S07dd04 ) Facebook (https://dMf2Nk04.na3.hubspotlinks.com/Ctc/RN+113/dMf2Nk04/VW7T8C2Z9076W55kz5x47Xj8MW6tdK5Q5SvKQQMSn_pR3pyd0W95jsWP6lZ3pHN952HBmN30XYW39M26C4HLV1CV4SMS06FZkkBVlPrnX6CYM2WVHJNdN4QGJSCW2WrrPH46wpFDN3wglc_-S494W97PBSS1CrCycW7ChKkt6-QshwN2r0xXNjZQNVV9xNwD8PQTQYW6NzxP12j63hWW4y0-y25gjyWGW4RqKC97b0jpZVRN59W5l8SXSW2DmzX-81Kjh_W5fwdMh7mPJ-8W7LlTdS855YlxW19_fpB4RCllvN1w55M7yqkPrMlsSpFYJ41YW4jD-wN2pT2f9W1NcGsL6l05dHN6-Fxcvv8s1JN5hw3lnZbQ9sW4bx8Y13vl4JWW7xf6YF8k_bxLW74D7vN444DxhW7Fcs3b2GWkCbW2wt5Fx2cw6J-f8v36f204 ) LinkedIn (https://dMf2Nk04.na3.hubspotlinks.com/Ctc/RN+113/dMf2Nk04/VW7T8C2Z9076W55kz5x47Xj8MW6tdK5Q5SvKQQMSn_mM5n4LbW50kH_H6lZ3nsW65qGPF5dJqHXW1nYvN-2Kmdn2W5kBF8Q7T4jhvVljKSD3-pt3cV6bf501w4fl8W2Z55YW39sT19W7Zsc7N2KqkszW5lqQKR8NXcFlN9lt4rVrYyQgW4s_vrY1Z2zBBW6Df-ZV89K704MPJWRccR4dwVWvT6N2q2Lm2W6gcGJB4hD40mW6zqRdC3XnSJ5W8TWl8C7N06QLN1hY9Y5wyJ5NW6J1CJ16MWJ_kW3d5bXS1dzq5gW8lLK3h6kw_ZdW5DHRnp8KzCrxW2hdgCt54S93QW92SzN35l0ktKW1Z9HxJ9b2SxQW7l5-xW8w-NHBW30qMhy1CcWvMW3Z4g8Y4Q3qFXV8z43t6HRW19W4BBsCy3Bz-4xW80CRvM10QS2SW1Nspc06gWSMDN6JdGVVlWFHkf62265b04 ) X (https://dMf2Nk04.na3.hubspotlinks.com/Ctc/RN+113/dMf2Nk04/VW7T8C2Z9076W55kz5x47Xj8MW6tdK5Q5SvKQQMSn_px3pyd0W8wLKSR6lZ3ljW102S6X5TKqMlW3nvf7y8d1brTW1lWhY193dQqnW1tgwxY7xpZS_W53ck7N17hF0sN3plGwmKyDnwW4gzwkZ2fln5vW4bz1zc23X2SCW4_dtDW6kz6prN45Txy7FFtj4W7B_k646NyXFkN4X6DG6rkyddMwdgPW8jX8NW3Mr3HV3tR4K6W908ddL6bHL59W8ll0kb7kzqPjW8ZbfPm6sZjrNW1MDpQp98DxnyW8dPvhJ2wvCcbW5kfrF_37SLdSW786yxL1mJl0KW8bfgtr5KntCyW5-FfZ-7VnKFpW7yXBg99gP0kqW6-1HlW7xr091W2Q0JL13rqHRyW5kRGT331SwXrN6ClYg2CCtrzf5WyDcY04 ) Relay (https://dMf2Nk04.na3.hubspotlinks.com/Ctc/RN+113/dMf2Nk04/VW7T8C2Z9076W55kz5x47Xj8MW6tdK5Q5SvKQQMSn_pd3pyd0W7Y8-PT6lZ3kDW68LXgY8jJQTDW5gly4b35Jb-SN22wKm5f35jTN25Yrzvjc6tSVYn7d35RsP-bW1f2qQT7d569JW8BFHBJ52jNyHW2c6s_N3GBBfTVqn4Ms8pVknbW1k9kld6TQkhFN1NdQSBWwvc3W3CdBlv4H_kHMN4bbXQgPS2FFW42hzYT5fnSHrW5Fg_Ld4mt9hsW5T-WTr3W8Z98W34hCBm5Zn7-rW38319Z3d2ZwZW7cBK3J53h5t5W2KFtRB6pw15mW5ZllNk56K3gLW58GpQ96Jns-rW8PPDQ72yQd4bW6Cdwqq90RjJbVz3PFx8LXmqnW2FVY2K8Cy75Sf3LLcGv04 ) Relay Financial Technologies, Inc. © 2026 60 Adelaide East, Suite 700, , Toronto, Ontario M5C 3E4, Canada Download on the App Store (https://dMf2Nk04.na3.hubspotlinks.com/Ctc/RN+113/dMf2Nk04/VW7T8C2Z9076W55kz5x47Xj8MW6tdK5Q5SvKQQMSn_mM5n4LbW50kH_H6lZ3mMVPC-5y7s7LNlW3tBSBh4B65byW1q6ML53VDKf6W5lD4mS99tNL-W61VTrw5NxzxGW84-sy71y1j1xW4B2-8t2F28zXW8GyVDY43GcPlVtN8PL32MxSYW6wjRcn8L9V4tW56CxcN6SBCn3W99cM8K3q9d3-W6pWH-Q6-6cBsVG_B6g525-DrW3fFS7Q195DTXW2_hZWD8TYWycW5nsnTm3HDPqgW7PLGNT1_Y6LVW4Y9wvL4Y-dbGW2gNcz35-s58tW1ntttt7jJ9FmN5NsF7L6MRPLW6zb3cW6FCqlLW5B8kqm2k_mr2W2W4gcS795-P8W30q3TB2qGdNDW4Lltc07r4VWBW7dmgcR8Hj_VpW5XvZM83M3m_-W2D1Fh56VPnMLW563ZBK1TG3ZXW941Lns6FH_DZf6jPKVg04 ) Get it on Google Play (https://dMf2Nk04.na3.hubspotlinks.com/Ctc/RN+113/dMf2Nk04/VW7T8C2Z9076W55kz5x47Xj8MW6tdK5Q5SvKQQMSn_n25n4LbW5BWr2F6lZ3nKW5kTXSP2nwLGgW86ckKQ24QVmYW4jzMXg7N155cW4XLHnB986p3LW7f-qKT9jbGKzW4C7BKB20611-W1xGnH-85ngc7N2WxdgqNf0-nW3NHkzt1MbR2nW6dnMvd65PB3HW2KvqN647CJ5tW5NRfgf7w3GKLW4nw94T38GQVCN2Xj_kM12TpmW3GRNQQ8jlQmwMr31GXsqyqQW5WfRJv5YvcGfW3_sfPP6bJD8RW3mbxVq3rFVM3W1wz3VZ6HwMsJW3tRjQM8f4xRNVCgWcr1H4H9cW1VpwS45NZ6w4W7MQlC-8RJJFCW14Gn0h4x3tdYW1SYhS85lBRCLW7ZvY0g5TQMmvW1CbZHt4lbqx_W3x0dJY5GcS8dW6B5vwh3PPmy1W7YWJMx3BRqnpW2h72sf6rR9ZpW36TvZ14RgCT_W92hjzd4QSlxff4jRzdC04 ) Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank; Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. The Relay Visa® Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® cards are accepted. The Relay Visa® Credit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® cards are accepted. *Terms and conditions apply to the cash back rewards program. Cash back will be credited to your Relay checking account at the end of your 30-day billing cycle. ATM transactions, the purchase of money orders or cash equivalents made with your Relay Visa® Credit Card are not eligible for cash back. Please refer to the Visa® Signature Rewards Program Terms & Conditions (https://dMf2Nk04.na3.hubspotlinks.com/Ctc/RN+113/dMf2Nk04/VW7T8C2Z9076W55kz5x47Xj8MW6tdK5Q5SvKQQMSn_mM5n4LbW50kH_H6lZ3p6W1mD2xJ26W2cMN95FlXF1cGP8N70FXvlbTcM8W8hC1DY4DYRrcV3Rxkx6Y2kTJW4017k32CnmqXW9k73v73m_xrvW8JGptz3wVK_JW7_f5L03P_8mzW5ZwQc44JhySjW7k9G2v36l3dJW5CcFSL4Klf2nW2vQFJ94j2dWdW77SZv5348VBSW7GT1k_1RrxR3W1TxPM73GSNlpW6_nLtN6d8j2NW4jK17G4tx22hW8-DDM_56lkw-W34bbLj7119-tW352K9F5N76NHW5Q6nBS60wW35W6plCtj3Hs5XNW3k-3L387Y36hW19QRWp8JT9xsW8x64VS7m10JMW61cRZS448qWbW1YtkQx7CntZMW3PFxHs8FLW3gW2_Z8ZH1g9lkZN4V-Gl1DSJzcW4Ncq919l-z9qf6VDZl004 ) for more details. 1 For Relay Subscription Plans with an interest-bearing deposit account, the interest rate and Annual Percentage Yield (APY) on your account are accurate as of 5/1/2026 and are variable and subject to change based on the target range of the Federal Funds rate. Fees may reduce earnings: - When you are subscribed to the Starter Plan, the interest rate on your savings accounts is 1.10% with an APY of 1.11%. - When you are subscribed to the Grow Plan, the interest rate on your savings accounts is 1.74% with an APY of 1.75%. - When you are subscribed to the Scale Plan, the interest rate on your savings accounts is 2.96% with an APY of 3.00%. For any deposit products (checking or savings accounts) or services provided by Thread Bank, Member FDIC (Relay's Sponsor Bank), FDIC insurance is available for funds on deposit through Thread Bank. Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://dMf2Nk04.na3.hubspotlinks.com/Ctc/RN+113/dMf2Nk04/VW7T8C2Z9076W55kz5x47Xj8MW6tdK5Q5SvKQQMSn_px3pyd0W8wLKSR6lZ3nVW7NXnqJ6W5vsjMxdp0R5V0jhW90K-_-5xF9wsW8yHMmT3kDK3MW3s9ZYz77FQ7zW1k1ysh7FLrtGVYRhfy8KBztCW5Hsv_07YFJ26W623HJg1KDkZCW7Skbzj869njcW2PlxVN6ZXkqfW544YDM4xRy2QW6y1RWD7-qfPbW8Y4JDx6PFqSMW443PTc4M2Pr3W946ZFW5jRR5HW4rnmW926gp21W8xbzb_5zF1RpW42ZYVp8DJd1wW82gltF6PsdWxW8m11rQ11TxmMW6675Tv5p0sYRW7bnbv47NsfCdW62zvqk6kTCkFN7hPWVy6dVjJW5r9V6f4K3WngN2WYhvTxMp3nW4x9vWk8qygGJf1sn3s404 (https://dMf2Nk04.na3.hubspotlinks.com/Ctc/RN+113/dMf2Nk04/VW7T8C2Z9076W55kz5x47Xj8MW6tdK5Q5SvKQQMSn_px3pyd0W8wLKSR6lZ3nVW7NXnqJ6W5vsjMxdp0R5V0jhW90K-_-5xF9wsW8yHMmT3kDK3MW3s9ZYz77FQ7zW1k1ysh7FLrtGVYRhfy8KBztCW5Hsv_07YFJ26W623HJg1KDkZCW7Skbzj869njcW2PlxVN6ZXkqfW544YDM4xRy2QW6y1RWD7-qfPbW8Y4JDx6PFqSMW443PTc4M2Pr3W946ZFW5jRR5HW4rnmW926gp21W8xbzb_5zF1RpW42ZYVp8DJd1wW82gltF6PsdWxW8m11rQ11TxmMW6675Tv5p0sYRW7bnbv47NsfCdW62zvqk6kTCkFN7hPWVy6dVjJW5r9V6f4K3WngN2WYhvTxMp3nW4x9vWk8qygGJf1sn3s404 ) and a list of program banks at https://dMf2Nk04.na3.hubspotlinks.com/Ctc/RN+113/dMf2Nk04/VW7T8C2Z9076W55kz5x47Xj8MW6tdK5Q5SvKQQMSn_px3pyd0W8wLKSR6lZ3ldW743l5v4n3t0cW6vRhTl73B5FjW66rzsy4gkRlrW8tzrYh3R4c41W4NMGm31kmLjPW6ytBjQ8R19zPW50J6lj5QRXh7VyWwf98DpWHPW3_C-PT18JwTxW4BqNRY98dg9XN2bC1Z5bbHRYW6-jhWG7yYG45N4_Dr13Q3N_cVq4RBP86r6BDW2RrZ696kMhsgW2wnB9f6xCX4pW7qXYb04qqnDcW992Kcg9h5HwBW5xZMG15GFPctW74N4xf8FwpXXW1hdqtM7rRkghW8KyfX890gYHRW93gDDS8D3h7SW8jx9P98SfLw0W6mn7xy11qJWmN2BYRvhVCPjmW7kTHjR5mxGhtN1LRWxMdHqg2f5bHB4R04 (https://dMf2Nk04.na3.hubspotlinks.com/Ctc/RN+113/dMf2Nk04/VW7T8C2Z9076W55kz5x47Xj8MW6tdK5Q5SvKQQMSn_px3pyd0W8wLKSR6lZ3ldW743l5v4n3t0cW6vRhTl73B5FjW66rzsy4gkRlrW8tzrYh3R4c41W4NMGm31kmLjPW6ytBjQ8R19zPW50J6lj5QRXh7VyWwf98DpWHPW3_C-PT18JwTxW4BqNRY98dg9XN2bC1Z5bbHRYW6-jhWG7yYG45N4_Dr13Q3N_cVq4RBP86r6BDW2RrZ696kMhsgW2wnB9f6xCX4pW7qXYb04qqnDcW992Kcg9h5HwBW5xZMG15GFPctW74N4xf8FwpXXW1hdqtM7rRkghW8KyfX890gYHRW93gDDS8D3h7SW8jx9P98SfLw0W6mn7xy11qJWmN2BYRvhVCPjmW7kTHjR5mxGhtN1LRWxMdHqg2f5bHB4R04 ) . Please contact customerservice@thread.bank (mailto:customerservice@thread.bank) with questions on the sweep program. Pass-through insurance coverage is subject to conditions. 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