Relay Financial Reviews 

Relay dropped my account when I tried to activate my business card. It was odd, but whatever.

I had only just started my business, and when relay closed the account there was not a lot of money. So I just opened an account with a legitamate financial institution, and it was water under the bridge.

Relay said that they would be sending the remaining balance. It has been over 3 months.

I would be less annoyed if I had understood the reason my account was terminated from the start. But now it has been 4 months since the account was terminated for no reason, and Relay kept the money in my account.

Update: The check came in the mail. They did finally get the money to me. This was still an extremely frustrating experience and I would recommend not using Relay for any Financial services. They are just way too slow with your money, which is not what you want from a bank.

Excellent communication and assistance!

I have been with Relay Bank for approximately three years. I do all of my two businesses banking here and I love it. They are very quick to assist when I have questions or issues, I've had a fraud issue with my account in the past and they expedited my new card and helped to resolve the charges.

I am very happy with Relay and their communication.

The staff were very professional, patient and proactive. My issue was solved
Thank you

The ease of the initial setup and no cost. Cards delivered quickly. Transaction history with receipts is top notch as well.

Banking was easy, however I had some fraudulent charges happening in new York when I live in ohio and began to get afraid to use the accounts, I called and got a new card and the same thing happened almost right away with the new card! I had never used it at all. So I closed the accounts. A lot I liked about this, the idea of it, but I felt it was not safe for my money due to what happened, not sure who is on the other end doing that? It was super fast after I had my card delivered so seems like an inside fraudulent act to me. Person who closed my accounts was kind and it was fast to do.

Was help and cooperative to solve my problem.

My business banked with Relay for years and everything was completely fine. They fully verified my non-US status during onboarding and approved my LLC. They knew from day one that I operate internationally and do not have a physical US footprint.
Then overnight my situation turned into a complete disaster. With zero prior notice, I woke up to find my account abruptly closed. They completely terminated any possible way for me to access my account or the funds my business desperately depends on.
When I tried to reach out to support to understand what happened and how to retrieve my own money, I was met with shocking rudeness and disrespect. Their live chat agent was completely uncooperative and abruptly ended the chat right in my face. Their email support is no better because they just repeatedly copy and paste the exact same canned policy response.
The absolute worst part is their refusal to disburse my remaining funds. I offered every legal, feasible, and logical digital solution, such as a simple wire or ACH transfer to my other verified business bank account. Instead, they stubbornly insist on mailing a paper check to a US address they know full well I do not have physical access to. They hide behind a policy they claim was recently updated, basically just saying the policy says no. None of us read the updated terms of service every single day because we naively assume a company this big wouldn't scam us and that the law is protecting us.
It turns out Relay has found a dark, twisted loophole to trap and abuse international business owners. These are the very same people they spend millions marketing themselves to as a friendly banking solution.
It has been more than two months and my situation is still completely in the dark. The impact on my life and business has been heavy and disastrous. Please, I warn all international users to stay away from Relay as much as possible. Do not trust them with your money.

Relay bank froze my account the day I deposited my money, they told me they no longer want to work with me and that I should receive my money via check and that it shouldn’t take more than 45 days for that. Well that was August 6th—it’s now September 27th and still no money or response/updates from Relay. I’ve tried emailing them, but they refuse to respond and even blocked my email! They have not sent my money out and have not communicated with me on anything. They are a SCAM and running a very shady business, I will be escalating this matter legally and filling a report against them on the BBB, if you’re looking to bank with them DON’T, run FAR AWAY RELAY IS A SCAM AND WILL WAIT FOR YOU TO DEPOSIT MONEY THEN BLOCK YOUR ACCOUNT WITH NO EXPLANATION. RELAYFI GIVE ME BACK MY MONEY NOW!!!!

Easy go platform, has everything I need

Aside from the systemic delays inherent in an Internet based, my interactions with Staff were professional. When my identity was stolen and 4 accounts screwed up, Relay was the most professional and understand of the four companies in processing and approving my dispute. [One other was also good to work with; the last two are incompetent.]

Fast review and top level customer service!

I’ve used Relay for business banking across multiple businesses for years and have had nothing but a great experience.

What I appreciate most is how easy it is to create multiple accounts and organize cash using the Profit First methodology. I can separate operating expenses, taxes, profit, owner’s pay, and other allocations without making the banking side unnecessarily complicated.

The online interface is intuitive, support has always been fast and responsive, and fees for things like wires and ACH payments are very reasonable. It does exactly what I need a modern business bank to do without adding friction.

I’ve been a long-time customer across multiple businesses and continue to use Relay for my current company. Nothing but good things to say. Five stars.

The Relay customer service is fantastic. I had an issue with pending charges not dropping off after I had cancelled a purchase. I emailed the support and not only did they handle it right away, but also they followed up on additional pending charges related to the same issue that I did not even ask about. Very impressed!

Julian was my
Customer Experience Specialist today!
He was absolutely a pleasure to speak with and very well versed with how things are done at Relay Financial. Needed to swap my number out which can be a real nightmare.. Julian truly made the process painless and very polite!
Thank you so very much!
John Eppe

Relay is a great platform for my business. I can add checking accounts and savings accounts and delete them myself. I can easily move money around. And in the year that I've been using relay, I've had 2 issues with checks not going through to deposit not going. The first timeI called them they answered right away and took care of the problem. Second time, I emailed them within a few hours. I had a reply and an answer. As to why the check didn't go through, they then proceeded to help me get the check deposited. Great fast friendly service.

you really help the non profit corpotation

The customer service rep was pleasant, efficient and successfully completed the task without difficulty. Thank you!

Excellent service and phenomenal customer support. Alice was extremely helpful and helped me resolve the issue I was having accessing the platform.

It was a good customer service response