Relay

Relay is an online business banking platform designed for small businesses and their accounting professionals. It offers fee-free business checking with up to 20 individual checking accounts per business, which supports profit-first or envelope budgeting strategies that many firms recommend to clients.

Accounting firms use Relay because it provides accountant-level access to client banking data without requiring shared login credentials. The platform integrates directly with QuickBooks Online and Xero, and its automatic transaction categorization reduces reconciliation time. Firms can view client account activity in real time, eliminating the need to request bank statements manually each month.

Relay is best suited for firms that advise small business clients on cash flow management and want a banking partner that fits into their existing accounting workflow. It is not a full accounting platform — it focuses specifically on the banking layer.