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Relay Financial Reviews 3,227

TrustScore 4.5 out of 5

4.3

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

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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
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1-star

Replied to 91% of negative reviews

Typically replies within 1 month

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Rated 4 out of 5 stars

Amazing Customer Service

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 appreciated as a first time small business owner!

24 April 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Hi Amanda. It’s great to hear you’ve had a positive experience with Relay and our Support team, specifically Louise. We really appreciate you taking the time to share your feedback, and will be sure to pass it on to the agent directly!

Rated 5 out of 5 stars

Relay Financial owner transfer

Maya from Relay Financial has been helping me with the complicated process of vesting and transferring ownership of the account from my previous partner to me. She handled the legal documents internally and assisted throughout the process. She provides such great customer service.

23 April 2026
Unprompted review
Rated 1 out of 5 stars

Do not use this bank - card fraudulently charged without ever using the card, AND after they told me the account was closed

Do not use this bank. I contacted support to close my account after my credit card was used for a fraudulent charge (before I ever even used the card). After they told me it was closed, the card was fraudulently charged twice more. They never told me what the solution was, or gave me a guarantee that my credit card would NOT be used anymore. Incredibly risky, and not a verifiable bank.

17 April 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Hi James,

We’re sorry to hear about your experience and thanks for sharing. It’s not the high standard our team works hard to provide Relay users.

We’re glad we could connect with you directly to address those challenges. If you have any questions or feedback in future, don’t hesitate to get in touch with our Customer Experience team for support at: support@relayfi.com

Rated 5 out of 5 stars

I just wanted to take a moment to share…

I just wanted to take a moment to share how incredibly satisfied I am with the support team at Relay.

Every interaction I’ve had has been smooth, fast, and genuinely helpful. The team is not only highly professional, but also friendly, patient, and truly focused on solving any issue as efficiently as possible. It’s rare to find support that feels this reliable and personal at the same time.

What stood out to me the most is how quickly my questions were understood and resolved without unnecessary back-and-forth. You can really tell that the team knows what they’re doing and cares about the customer experience.

Overall, an outstanding support experience – thank you for making everything so easy and stress-free!

22 April 2026
Unprompted review
Rated 5 out of 5 stars

5-Star service

5-Star service, above and beyond, and far exceeding expectations! I highly recommend Relay Financial.

22 April 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Hi Jeannine. We’re happy to hear you’ve enjoyed banking with Relay. It means a lot to the team!

Rated 5 out of 5 stars

Knowledgeable and Friendly Customer Service

I needed a couple of pieces of information. The customer service rep, Jelly, was understanding, polite, and helpful. The customer service reps are always consistent with verifying your info so that no one can impersonate you and providing the information needed. That brings me great comfort with this company.

22 April 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Hi Lisa! It’s great to hear that you've had such great experience with Jelly. Your feedback is very valuable to us, and we'll be sure to pass this off to the agent directly. We're looking forward to supporting you further in the future!

Rated 5 out of 5 stars

Very Quick Response to my open query…

Very Quick Response to my open query concerning my account opening. Great service...

22 April 2026
Relay Financial logo

Reply from Relay Financial

Hi Larry. Thank you for taking the time tot share! It’s great to hear that you've had a good experience with Relay. Your feedback is very valuable to our team.

Rated 5 out of 5 stars

Easy and Straightforward

The onboarding was easy and straightforward.

22 April 2026
Relay Financial logo

Reply from Relay Financial

Hi Abdullah. Thank you for the review! It’s great to hear that you've had a good experience with Relay. We're looking forward to supporting your business moving forward!

Rated 5 out of 5 stars

Excellent Customer Service

I have banking with Relay for my business for over a year now. Today, I spoke with one of the customer service specialists, Jack, who went above beyond to take time to answer all of my questions and was extremely kind, attentive, and mindful of my time. Thanks Jack!

22 April 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Hi Sandhya. Thank you for taking the time to write this review!

We love to hear that you found our support team helpful and that we met the high standards we aim for. Looking forward to working with you further in the future!

Rated 5 out of 5 stars

Spoken to Katie regarding issue of my…

Spoken to Katie regarding issue of my application and she provided the needed support, quick, fast, problem fixed right away. Kudos

22 April 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Hi Pinplay,

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 and to Katie.

Rated 5 out of 5 stars

I opened up this buissnes account no…

I opened up this buissnes account no knowing how it would go.
I will say now it was a very smart buisness move .
Helpful friendly .everything I've asked relay bank has done for me.
Very satisfied and will be here doing my buisness.
Thank you relay bank way better than my previous buisness banks.

22 April 2026
Relay Financial logo

Reply from Relay Financial

Hi Brent,
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

Very easy to use

Very easy to use. I haven’t had any issues

22 April 2026
Relay Financial logo

Reply from Relay Financial

Hi RT,
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

They treat me as a valued customer

They treat me as a valued customer. The took time to introduce themselves, and let me know what was available for me and my new company!

16 April 2026
Relay Financial logo

Reply from Relay Financial

Thank you for the review, Saleeta.
It’s great to hear that you've had a good experience with Relay. Your feedback is important to our team.

Rated 1 out of 5 stars

Funds Frozen for over a Week – No Updates, No Access

Warning to fellow small-business owners: Relay Financial placed my business account on Apr 13 2026 into a “holistic review,” froze my debit cards, and blocked transfers—locking up about $2,500, every operating dollar I had. I provided every document they requested that same day and their Account Protection team acknowledged receipt, yet over a full week later to right now. I still have no timeline, no explanation, and no access to my own funds. The silence and missed promises of updates have disrupted tax filing and day-to-day expenses. Use caution if you need reliable, timely access to your balance.

*Update: The hold on my account has now been lifted. However, no clear explanation was provided beyond “compliance reasons,” and the week-long delay with limited communication created avoidable disruption for my business.

12 April 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Hi Miciah. We’re sorry to hear about your experience and thanks for sharing. It’s not the high standard our team works hard to provide Relay users.

We’re glad we could connect with you directly to address those challenges. If you have any questions or feedback in future, don’t hesitate to get in touch with our Customer Experience team for support at: support@relayfi.com

Rated 5 out of 5 stars

Very helpful and knowledgeable staff

Very helpful and knowledgeable staff .Relay is always looking for ways to be competitive by offering comprehensive solutions for business owners like myself. I will definitely recommend using Relay for your business banking needs .

21 April 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

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

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