QBO Power-up · Business Banking
Relay is a no-fee online business banking platform with up to 20 checking accounts, 50 debit cards, and a direct QuickBooks Online sync. Activate it as a Power-up and it counts toward your School of Bookkeeping perks.
The plans
Every Relay plan includes fee-free checking, debit cards, bill pay, and the QuickBooks Online and Xero integrations. Paid plans add approval rules, automation, and higher savings rates.
Starter · Free
Everyday business banking with no monthly fee. Counts as a Power-up.
Best forSolopreneurs and startups that want clean, separated accounts without fees.
Grow
Everything in Starter, plus controls and automation for a growing team.
Best forSmall and medium teams with several people approving or spending.
Scale
Everything in Grow, built for larger teams moving more money.
Best forLarger teams that want forecasting and hands-off bill pay.
Plan features and rates change from time to time. See current pricing at relayfi.com/pricing.
Find your best-fit plan
Enter how your business runs. We'll estimate each plan's monthly interest, card cash back, and transaction costs, minus the subscription fee.
Start from a preset
Transfers per month
$0/month
$0est. monthly earnings
$30/month
$0est. monthly earnings
$120$90/month · limited-time price
$0est. monthly earnings
Estimates only, for illustration. Rates, fees, and plan prices are from Relay's pricing page as of September 17, 2026 (APY 1.19% Starter, 1.87% Grow, 3.21% Scale) and are variable and subject to change. Assumes the same average savings balance, card spend, and transfer volume every month. Credit card cash back requires a Relay credit card. Your Power-up discount on higher-tier plans is not included.
How we set it up
Relay lets you open up to 20 checking accounts at no cost. We use them to split income into reserves, so you always know what's safe to spend.
| Account | What goes in | Why it helps |
|---|---|---|
| Operating | All income | Every deposit lands here first, then gets allocated to the accounts below. |
| Payroll | Set amount | Payroll never competes with bills for the same cash. |
| Tax reserve | % of income | Quarterly estimates and sales tax are already set aside when they come due. |
| Owner's pay | % of income | Pay yourself on a schedule instead of guessing what you can take. |
| Spending | Debit cards | Give travel, marketing, or software their own account and card so expenses sort themselves. |
Why we recommend it
Most bank feeds give us a list of transactions and nothing else. Relay gives us the detail, the receipts, and the right level of access, which means faster, cleaner books for you.
$0
No monthly account fees and no minimum balance tying up your cash flow.
20
Separate operating, payroll, taxes, and owner's pay without opening accounts at different banks.
50
Issue virtual and physical cards by person, vendor, or category to keep spending organized.
Detailed transaction data and receipts flow into QuickBooks Online, which takes the grind out of categorizing and reconciling.
Invite your bookkeeper or team and control exactly what each person can see and do, from view-only to paying bills.
Hands-on support by email, chat, and phone, and an account that opens online with no branch visit.
It's literally so easy to open an account. I have not experienced that anywhere else. I hate administrative red tape, and Relay makes banking really easy and time efficient for me.
Jess Vossler, CEO, Second Mile Marketing · via RelayHow it works with QBO Power-ups
Relay is an eligible Power-up, and the free Starter plan qualifies. Activate it through our referral link and it counts toward your perk tier alongside Ramp, QuickBooks Payments, and the rest.
1
Sign up online in minutes using the School of Bookkeeping referral link. No branch visit and no paperwork.
2
Turn on the QuickBooks Online integration and invite us as your bookkeeper with the access level you choose.
3
Your Power-up count goes up and your School of Bookkeeping benefits unlock right away. Stack more Power-ups to move up a tier.
1
30-day QuickAnswers chat trial
2
90-day chat support and a 60-day course trial
3
1 hour of tutoring and full course library access
4+
3 hours of tutoring and QuickAnswers access for your team
$50 statement credit when you open Relay through our link, plus a discount on Relay's higher-tier plans.
Questions
Relay is a financial technology company, not a bank. Banking services and FDIC insurance are provided through Thread Bank, Member FDIC. Through Thread Bank's deposit sweep program, your deposits can be FDIC insured up to $3 million.
Yes. The free version of Relay qualifies, as long as the account stays active. Like every Power-up, closing it may lower your tier and remove ongoing perks.
No. Many clients open Relay alongside their existing bank and move over gradually, starting with a payroll or tax reserve account.
Yes. You invite your bookkeeper or accountant as their own user and choose what they can do, such as view transactions, download statements, or pay bills. They never need your password.
Relay has a direct integration with QuickBooks Online (and Xero) that sends detailed transaction data and receipts to your books. We can help you map accounts when you connect it.
Ready when you are
Open Relay through our link, connect it to QBO, and start unlocking School of Bookkeeping perks today.
Get started today before this once in a lifetime opportunity expires.
