The short answer
A charge from RELAY* BUSINESS BANK represents a monthly Relay Pro subscription fee ($30/mo), outgoing wire fee, or debit card transaction via Relay Financial Technologies Inc. (Thread Bank).
Why it shows up like this
A bank statement line showing the exact RELAY* BUSINESS BANK descriptor represents commercial banking services, wire transfer fees, or subscription software charges from Relay Financial Technologies Inc. in partnership with Thread Bank. Small business owners, LLC operators, and bookkeeping firms rely on this fintech platform for multi-account management, physical and virtual team debit cards, and automated accounts payable workflows.
This charge typically appears on your credit card or operating account due to the monthly $30 subscription fee for the Relay Pro tier, outgoing domestic or international wire transfer fees, or standard business purchases made using corporate debit cards. Businesses that upgrade to automate vendor payments or achieve same-day ACH processing incur these scheduled recurring charges every month.
To verify the transaction, sign in to your banking dashboard at app.relayfi.com and review your recent account statements under settings and billing. If you no longer require the Pro tier, you can downgrade your account to Relay Standard to eliminate monthly fees, or contact member support if you identify unauthorized activity or billing errors. Keeping close track of your monthly statements ensures complete financial security and prevents unexpected surprises from recurring charges.
Common reasons for this charge
Reviewing itemized account statements helps distinguish between optional software subscription fees and transactional debit card purchases.
- A monthly $30 Relay Pro subscription fee for automated AP approval workflows and same-day ACH.
- An outgoing wire transfer fee ($5 domestic, $10 international).
- A purchase made using a Relay Visa debit card.
How to locate the invoice and cancel
Accessing the billing management portal allows administrators to modify subscription tiers or download official tax invoices.
- Sign in to Relay Go to app.relayfi.com and log in to your account.
- Open Settings review to Settings > Plan & Billing.
- Downgrade to Standard Click Downgrade to Relay Standard to eliminate the $30 monthly fee.
Frequently Asked Questions
Is Relay's basic banking plan free?
Yes, Relay Standard has $0 monthly maintenance fees and no minimum balances. Only Relay Pro carries the $30 monthly subscription charge.
Which bank holds Relay customer deposits?
Banking services are provided by Thread Bank, Member FDIC.
Dispute Rights & Fraud Prevention
If you did not authorize a Relay fee or debit card transaction, contact Relay support and your bank.
Dispute unauthorized banking debits within 60 days under federal banking regulations.
How do I report an unexpected Relay charge?
Contact Relay member support at support@relayfi.com or call 1-888-205-9304.
Banking institutions typically complete electronic debit dispute investigations within 10 to 45 business days.
Independent reference — not affiliated with Relay Financial Technologies Inc. / Thread Bank. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Relay Terms of Service https://relayfi.com
- CFPB: Commercial Banking & Electronic Fund Transfers https://www.consumerfinance.gov
Reviewed Aug 15, 2026 · high · About UnknownCharges