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Relay Financial Reviews 3,227

TrustScore 4.5 out of 5

4.3

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Review summary

Created with AI, based on recent reviews

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the exceptional customer service, highlighting the helpfulness, patience, and kindness of the staff. Many appreciate the prompt and professional support, noting that employees are well-trained and go above and beyond to resolve issues and provide clear explanations. The service is frequently described as easy to use, efficient, and intuitive, with a smooth user experience for both mobile and desktop. However, some customers also noted issues with payment processing, including frozen accounts, failed mobile check deposits, and difficulties with international wire transfers. A few people experienced frustration with customer service regarding these payment problems, citing a lack of clear escalation paths and ineffective support in certain situations.

What people talk about most

Customer service

Clients share positive opinions on customer service, with many praising the helpfulness and efficiency of... See more

Staff

People report positive experiences with staff, highlighting their helpfulness, patience, and knowledge. Many... See more

Service

Reviewers highlight positive aspects of service, with many praising the quick response times and efficient... See more

User experience

Reviewers mention positive feedback about user experience. Customers frequently highlight the ease of setup,... See more

Payment

Customers had ambiguous experiences with payment. Many reviewers reported significant issues, including... See more

Reviews shaping this summary

Rated 4 out of 5 stars

Prompt service communication. Able to tell me how to navigate through my account to find answers. Social media is huge these days and people want to actually see the process/demonstration on how to us... See more

Company replied

Rated 4 out of 5 stars

Louise has been such an incredible help with setting up my small business accounts. She has been patient and kind and very informative and assisted me every step of the way, which has been so appreci... See more

Company replied

Rated 5 out of 5 stars

I had one of the best experiences in customer service. Elmer was outstanding! So supportive, friendly, wonderful and fixed my problem asap. Thank you so much! Yall hired one of the best employees. I h... See more

Company replied

Rated 5 out of 5 stars

The bi-weekly live webinar was super-helpful, and worth waiting for. Shannon and Nadine did a great job of showing off what Relay has to offer, and the Q&A were answered very quickly. It was interes... See more

Company replied


Company details

  1. Bank
  2. Accounting Software Company
  3. Financial Institution
  4. Money Transfer Service
  5. Non-Bank Financial Service
  6. Private Sector Bank

Written by the company

Relay is an online banking platform that puts business owners in complete control of their cash flow. By helping them clearly understand what they're earning, spending, and saving, Relay empowers entrepreneurs to make smarter decisions about their business and reach peak profitability. Disclaimer: Relay is a financial technology company, not a bank. Banking services are provided by Thread Bank; Member FDIC.

Putting you in complete control of your cashflow

Written by the company

Know what you're earning, and make every dollar count
When expenses pile up, clarity matters. Relay provides a detailed breakdown of every transaction, categorizes purchases automatically, and keeps receipts organized—no chasing required.

Industry leading customer support

Support when you need it

You can reach our Customer Experience team by phone at 1-888-205-9304 or via email at support@relayfi.com. Our hours of operation are 9am to 8pm EST, Monday through Friday.

Contact info

Promotion box for Relay Financial

Highest rated business banking platform

No monthly fees or minimum balances, create up to 20 checking accounts

4.3

Excellent

TrustScore 4.5 out of 5

3K reviews

5-star
4-star
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1-star

Replied to 91% of negative reviews

Typically replies within 1 month

How this company uses Trustpilot

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Rated 5 out of 5 stars

Elmer

Elmer, and the young lady I spoke with last, did a fine job.

April 16, 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Thank you for the review.
It means a lot that you've enjoyed banking with Relay. We appreciate the feedback and will share this with Elmer.

Rated 5 out of 5 stars

I love how protective they are of me…

I love how protective they are of me and my account. Some people may see it as stifling, but you wouldn’t feel that way if your account got compromised Lol. Love this bank. Gives my business EXACTLY what it needs.

April 15, 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Hi TC,

Thank you for taking the time to write this review.

We love to see small businesses win, so we’re happy to hear you’ve enjoyed banking with Relay. It means a lot to the team.

Rated 5 out of 5 stars
Relay Financial logo

Reply from Relay Financial

Thank you for the review, Brad.
It means a lot that you've enjoyed banking with Relay. We appreciate the feedback.

Rated 2 out of 5 stars

Not satisfied at all

I've had my Relay accounts for about two and a half years now. I've never had any issues until this past month. My account did not have a lot of activity in the recent months due to my business income, but I recently opened an Operations account in addition to my Checking and Savings with Relay in anticipation of additional business income. I did three transfers. Two with Plaid that showed they were deposited in my bank account and then Relay said that the deposits were sent back to my external account. They were not. I then did another transfer directly from my external bank debit card and was charged an additional fee to do this, but they claim it was sent back to my external bank. It was not. I've had to explain this over and over and customer service has not given me any explanations on why this is happening. All they did was freeze my accounts and I still don't know where my money went. I will be using another bank after this and closing my accounts.

April 15, 2026
Unprompted review
Rated 5 out of 5 stars

Dixie was super patient in explaining…

Dixie was super patient in explaining how my account truly works! She was pleasant and knowledgeable!

April 15, 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Hi Verchell,
We appreciate you taking the time to write this.
We’re all about bringing cash flow clarity to small businesses, so it's good to hear that you’ve enjoyed your Relay experience. We’ll pass along your feedback to our team and to Dixie.

Rated 5 out of 5 stars

The support was good

The support was good. We had a unique issue. And the support team especially Merry was very patient and supportive.

April 15, 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Hi Haimal,
Thank you so much for your thoughtful review.
At Relay, we’re all about reimagining business banking for small businesses, so we're happy to hear that you've had a positive banking experience with us. Your feedback means a lot to our team and to Merry.

Rated 5 out of 5 stars

I had one of the best experiences in…

I had one of the best experiences in customer service. Elmer was outstanding! So supportive, friendly, wonderful and fixed my problem asap. Thank you so much! Yall hired one of the best employees. I hope he gets raises, bonuses, paid vacations and more ✨✨✨ for real lol

April 14, 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Hi Seven,

Thank you for taking the time to write this review.

We love to see small businesses win, so we’re happy to hear you’ve enjoyed banking with Relay. This review means a lot to Elmer and they really appreciate this!

Rated 5 out of 5 stars

I love my Relay account

I love my Relay account. Thank you Elmer for answering my questions and helping me when I needed it.

April 14, 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Thank you for the review, Angie.
It’s great to hear you’ve had a positive experience with Relay and Elmer from our customer experience team. We really appreciate you taking the time to share your feedback.

Rated 5 out of 5 stars

I had a great experience with Maya

I had a great experience with Maya. She helped me unlock my cards quickly and made the whole process smooth and stress-free. She was very helpful, knowledgeable, and patient in explaining everything clearly. I really appreciated her professionalism and efficiency. Thank you, Maya!

April 14, 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Hi Edwin,
We appreciate you taking the time to write this.
We’re all about bringing cash flow clarity to small businesses, so it's good to hear that you’ve enjoyed your Relay experience. We’ll pass along your feedback Maya and to the rest of the team.

Rated 5 out of 5 stars

Unusual, one-off challenge

I had an unusual, one-off challenge with depositing a check. Sina K did a great job getting it resolved - and deposited - quickly.

April 14, 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Hi Eric,
Thank you so much for your thoughtful review.
At Relay, we’re all about reimagining business banking for small businesses, so we're happy to hear that you've had a positive banking experience with us. Your feedback means a lot to Sina and to our team.

Rated 5 out of 5 stars

setting up different accounts!

I'm new to Relay, still exploring and learning figuring out setting up accounts and today wanted to spread out money into different accounts as well as was trying to figure out how to pay off or set up payments to my non-related Relay credit cards .

April 13, 2026
Relay Financial logo

Reply from Relay Financial

Thank you for the review, Pallavi.
It means a lot that you've enjoyed banking with Relay. We appreciate the feedback.

Rated 5 out of 5 stars

And issue arise account was locked on…

And issue arise account was locked on my part still trying to get use to Relay support was on immediately I responded they fixed it quickly. It was something simple. So thx again Relay. Keith was amazing!

April 10, 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Hi Chris,
We appreciate you taking the time to write this review. We're glad that you've enjoyed banking with Relay. Your feedback means a lot to us and to Keith!

Rated 5 out of 5 stars

Fast an Easy

Fast and Easy

April 12, 2026
Relay Financial logo

Reply from Relay Financial

Thanks, Julian, for this review.
We’re happy to hear you’ve enjoyed banking with Relay. It means a lot to the team.

Rated 5 out of 5 stars

Strategic banking partner for international growth

Relay Financial is excellent! Special thanks to Annie for providing a clear roadmap. She confirmed that my account can be finalized once my residency in Georgia (Europe) is established. Currently, the only obstacle I face is a major delay from my legal service provider in Wyoming, who has failed to deliver my company's Apostille and DBA documents. This delay is causing significant harm to my business, but Relay’s support has been outstanding.

April 10, 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Thank you for the review!
It’s great to hear that you've had such great experience with Annie on our Relay Customer Experience team. Your feedback is important to our team and thank you for choosing Relay!

Rated 5 out of 5 stars

I opened my business account with Relay…

I opened my business account with Relay for several reasons - first, they offered a basic account for $0 a month. FDIC is $3M, and they have several very useful features that make running my business so much easier including invoicing, linking to Quickbooks, and auto payments! Thanks, Relay!

April 10, 2026
Relay Financial logo

Reply from Relay Financial

Hi Dee,

Thank you for taking the time to write this review.

We love to see small businesses win, so we’re happy to hear you’ve enjoyed banking with Relay. It means a lot to the team

Rated 5 out of 5 stars

I’ve been very impressed with the…

I’ve been very impressed with the software and quick service. I was able to get the help I needed immediately and they even followed up with me to confirm.

April 10, 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Hi Bobbie,
We appreciate you taking the time to write this.
We’re all about bringing cash flow clarity to small businesses, so it's good to hear that you’ve enjoyed your Relay experience. We’ll pass along your feedback to our team.

Rated 5 out of 5 stars

Easy to use online bank for business…

Easy to use online bank for business with great customer service.

April 10, 2026
Relay Financial logo

Reply from Relay Financial

Hi David,
Thank you so much for your thoughtful review.
At Relay, we’re all about reimagining business banking for small businesses, so we're happy to hear that you've had a positive banking experience with us. Your feedback means a lot to our team.

Rated 5 out of 5 stars

Amazing customer service

Amazing customer service. The technology has made my life so much easier. I’m glad I switched from Chase.

April 9, 2026
Relay Financial logo

Reply from Relay Financial

Thank you for the review, Andrew.
It means a lot that you've enjoyed banking with Relay. We appreciate the feedback.

Rated 5 out of 5 stars

Great customer service.

Great customer service.

April 9, 2026
Relay Financial logo

Reply from Relay Financial

Hi Susan,
We appreciate you taking the time to write this review. We're glad that you've enjoyed banking with Relay. Your feedback means a lot to us

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