The business bank
we recommend to
every single client.
At C&S Finance Group LLC, we've worked with a lot of banks. We've seen what works and what doesn't. And after everything we've seen, we recommend Relay — without hesitation — to every business owner we work with.
Let's talk about the
big banks.
Chase Bank, Bank of America, Wells Fargo — they're household names. But for small business owners, they come with a lot of frustration.
"We recommend Relay over Chase, over Bank of America, over Wells Fargo, and over most traditional banks for small business owners. The features, the cost savings, the integrations, and the accessibility make it the best option we've seen for the clients we serve. Period."
If you are a non-US citizen or foreign national — read this.
One of the biggest challenges we see for immigrant entrepreneurs, foreign nationals, and non-US citizens is simply getting a business bank account opened. Traditional banks make it extremely difficult. They require in-person visits, extensive documentation, and often still say no.
Relay is one of the most accessible business banking platforms available to non-US citizens. You can open an account online, without needing to visit a branch, and the process is far more straightforward than what most traditional banks put you through.
This is a big deal. And it's one of the reasons we recommend it so strongly.
Everything your bank
should already offer.
No fees. Ever.
Relay charges no monthly account fees, no minimum balance requirements, no overdraft fees, and no annual credit card fees. Compare that to Chase Business Complete Banking, which charges up to $15 per month, or Bank of America Business Advantage, which can charge even more depending on your account type. Those fees add up to hundreds of dollars per year — money that should stay in your business. With Relay, it stays in your business.
Up to 20 accounts, all free.
Open up to 20 individual checking and savings accounts at no extra cost. Organize your money by project, set aside funds for taxes, separate your payroll, create a reserve fund — all clearly labeled and in one place. No traditional bank offers this level of organization for free.
Spending control your current bank can't match.
Issue up to 50 physical and virtual debit cards with custom spending limits per card. Set daily or monthly caps. Assign cards to specific employees or specific expense categories. If someone overspends, the card stops them automatically. Qualifying customers can also get a Relay credit card with cash back and no annual fee.
Seamless accounting integrations.
If you use QuickBooks Online or Xero, Relay plugs in directly. Transactions sync automatically. Reconciliations are clean. No manual data entry. No duplicate transactions. Your bookkeeping becomes faster and more accurate.
Receipt tracking that actually works.
Forward receipts to a unique company email address and Relay matches them to the right expense automatically. Or take a photo in the app. Set up automatic reminders so employees submit receipts without anyone having to follow up.
Give your team access without giving up control.
Share account access with employees using role-based permissions. Each person sees and does only what they're supposed to. No shared passwords. No shared two-factor codes. If someone leaves, you remove their access immediately.
FDIC insured up to $3 million.
Through Relay's banking partner Thread Bank, your deposits are FDIC insured up to $3 million through an insured cash sweep program. The standard limit at most banks is $250,000. If you hold significant cash, this level of protection is extremely valuable.
Mobile banking built for busy owners.
Manage everything from your phone. Open accounts, issue cards, set spending limits, review transactions, and handle your finances from anywhere. Whether you have remote employees or multiple locations, Relay keeps you in control.
Getting started takes
minutes — not days.
The entire signup process is online. No branch visits. No stacks of paperwork. No waiting in line. You can keep your existing bank accounts and simply add Relay for specific needs like payroll, tax savings, or project expenses.
Transferring money between Relay and your current bank is completely free and takes one to two business days. Start with one use case. Experience it for yourself.
The bottom line from
C&S Finance Group LLC.
We have seen what big banks put small business owners through. The fees. The red tape. The barriers. The frustration. Relay removes almost all of it. It is organized, accessible, affordable, and built with small business owners in mind — including those who are building something in the United States without the privilege of being a US citizen.
We recommend Relay. Strongly. Confidently. And without reservation.
Is Relay the right fit
for your business?
Answer 7 quick questions and we'll tell you exactly how much Relay could help.
Relay is a financial technology company, not an FDIC-insured bank. Banking services and FDIC insurance are provided through Thread Bank, Member FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted.