Relay Financial Reviews 

What made this a great experience was the quick approval, a straightforward application process and the customer service agent I worked with. I did have trouble uploading my required documents, despite the fact they were uploaded as requested. The fields just weren't working, so I emailed them to the support team. The next day I called and the customer service agent, Tim was very friendly and helpful. He was able to verify my documents were received and that my application was in review. The next day, my account was approved. Very helpful as I needed an account to begin Medicaid enrollment. Because of Relay and this fast approval, I am able to focus on my business and get back to helping my patients with the healthcare they need.

resolved issue quickly and efficiently. Easy to use and navigate. Great start to my first time trying to start and run a company.

Recently attempted to open an account with Relay. As a business owner, I fully understand that fintechs and banks must adhere to strict AML (Anti-Money Laundering) and KYC (Know Your Customer) compliance protocols. I have no issue following exact procedures to verify my business. What I do take issue with is how poorly this process was executed and how little my time was respected.
From the start, the platform was plagued by technical glitches—the mobile app repeatedly failed to work properly, and the website continuously had issues recognizing trusted devices.
More frustrating, however, was the administrative runaround. I provided every single official document requested and made multiple follow-up calls to ensure every compliance requirement was met. My business activities were stated clearly from day one. Yet, after making me jump through endless hoops, I was hit with a generic line stating my business "was not a good fit for a growing bank."
If a business does not align with Relay’s risk appetite, that should be determined upfront—not after dragging a founder through an exhaustive paper chase. Why make people run around gathering paperwork for nothing?
The only redeeming aspect of this experience was the customer support team. They were patient, helpful, and provided clear answers when I needed guidance. However, great support representatives cannot compensate for broken technology and a deeply flawed onboarding process that disrespects a business owner's time...

Jin in customer service was Awesome!!!

I had a wonderful experience setting up my business account with Relay. Their customer service is truly top-notch. A huge thank you to Irha from the support team, who was incredibly responsive and quickly approved my address verification. The platform itself is highly intuitive and perfect for business banking. Highly recommend!

Relay delivers most of its value through automation, which I like. Over the years, the few times where human intervention was necessary, I found the staff friendly and efficient.

It was easy to setup account and support was great when I needed help.

Great option for business banking

Customer service was very kind and helpful. Agent even called me back for follow up.

Excellent service, I recommend it 100%.

Rosie at Relay Financial might be the most uncaring or unsupportive customer service agent I've encountered.

Rosie contacted me to explain that my account had been frozen for a compliance review and asked I deposit money into the account to cover a small transaction.

I tried, of course, through the app but found that since my account was frozen, I was unable to deposit, withdraw, close, or use the account at all. I replied to Rosie, explaining that since she froze the account, I was not able to complete the tasks she was requesting other than provide my EIN, invoices, and website URL.

Great, I did that.

I should mention that Rosie doesn't reply. She emails me instructions, freezes my account, then goes radio silent.

After a week of silence and a frozen account, I reached back out to Rosie, explaining again that since she had frozen the account, there wasn't much I could do.

She unfroze the account, requested that I make the deposit immediately, and then emailed her back to let her know I had done so.

I did.

This time, I guess Rosie read my email signature, which is signed with my middle and last name. Legal names on my birth certificate. Legal names I provided on my application. I go by my middle name, not my first. Rosie pounced on this, as if I were trying to scam her.

She said my name doesn't match the person on the account, and Rosie wants the person on the account to reach out and confirm my position within the company.

Rosie told me to have the account holder contact her and Relay. Rosie asked that 'she,' the 'account holder,' explain my role in the company.

I told her to check the application I submitted when I opened the business account. Check the names, the SSN, the EIN, whatever. Even my website URL uses my middle name. Rosie, if you or another agent had done a little bit of research, you would have discovered all the information you were berating me for.

THEN -

Rosie dares to email me back. She continued to use my first name when addressing me, thanking me for clearing up the misunderstanding and asking me to reach out if I ever had any other questions. Thanking me again for being a customer, using my first name.

After arguing with this "customer service" agent and telling her I use my middle name, she purposefully continued to misgender me and call me by my first name.

I was named after my father, who, well...

I have PTSD because of this name, which is why I never, ever use it and recoil when I hear it. I asked to be respectfully addressed using my legal middle name, and the agent refused.

I closed my account.

Relay Financial, if you read this - Rosie is, well, rude to put it mildly.

I had some challenges setting up an account. Charles was excellent in recommending solutions and assisting me in completing the registration process. Thank you for your patience.

The customer service was thorough and the agent was very friendly and helpful.

Love Relay- customer service is responsive- platform is solid and works well. The fact they support profit first-solution makes things simple .

Great service. Easy to establish account. Human touch even with it being a FinTech / Online Bank.

I recently had a fantastic experience setting up my business account with Relay. Their platform is incredibly user-friendly, but what truly sets them apart is their outstanding customer service.
A special shoutout to Irha from the support team! She was extremely professional, responsive, and quickly completed the manual review of my personal address verification to get everything sorted. It is rare to find business banking with such a supportive and human touch. I highly recommend Relay to any business owner looking for a reliable banking partner!

They have been very helpful and the desktop app is so user friendly. Much better than many others on the market. From Bill Pay to getting your invoice paid all of it is tracked and easy to use. thank you

We run a small e-commerce business and moved our banking to Relay earlier this year. The experience has been outstanding. Sina K. in particular went above and beyond for us -- helped verify a wire transfer, flagged a compliance review to speed things up, and followed up proactively every step of the way. As a small business, it makes all the difference when your banking team actually cares about your success. We're planning to keep growing with Relay for the long haul.