Up to 20 sub-accounts per business — best for Profit First and multi-bucket budgeting.
Get started at Relay (FDIC via sponsor banks) → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 3.9 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
SMBs running Profit First or any percentage-based cash allocation methodology that want up to 20 checking sub-accounts under one login.
Relay — Up to 20 sub-accounts per business — best for Profit First and multi-bucket budgeting. Best for: SMBs running Profit First or any percentage-based cash allocation methodology that want up to 20 checking sub-accounts under one login.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Relay allows a single business to open up to 20 individual checking sub-accounts under one login — each with its own balance, debit card, and transaction history. This is purpose-built for cash-flow allocation methodologies like Profit First, which divides revenue across separate buckets (income, profit, tax, operating expenses, owner pay). Most business banks offer 1–3 accounts per entity; Relay's 20-account structure is unique in the market for this use case.
Not through branches. Relay is an online-only business bank. Some cash deposit functionality is available via the Allpoint+ ATM network at certain retail locations, but this is limited compared to traditional branch-based cash deposit. Retail, restaurant, or any cash-heavy business should verify current cash deposit availability and limits at relayfi.com before opening an account.
Relay accounts are FDIC insured via its sponsor banking partners. 'Via sponsor bank' means Relay is not itself a chartered bank — it holds deposits at partner banks that are FDIC member institutions. Confirm the current FDIC coverage arrangement and per-institution limits at relayfi.com, since the partner bank structure can change.
No. ClearValue Lending is a small business funding platform, not a bank, deposit institution, or affiliate of Relay. This review presents publicly available editorial information. Account features, fees, and FDIC coverage terms are determined by Relay and its banking partners — verify current terms at relayfi.com before opening an account.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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