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Relay is an online business banking and money-management platform that gives small businesses full control over their cash flow by combining banking, expense management, bill pay, invoicing, and financial automation. With Relay, businesses can create up to 20 separate checking accounts and two savings accounts, issue physical and virtual debit or credit cards (with spend controls), and accept or send payments via ACH transfers, wires, and checks, including deposits from platforms like PayPal, Stripe, or Square. It lets businesses organize income and expenses across different categories, automate transfers between accounts by dollar or percentage, and allocate funds to taxes, payroll, savings, or profit automatically. Relay also supports billing workflows and vendor payments: you can upload or email bills (or sync from accounting software), approve them with customizable approval rules, and pay via ACH, wire, or check directly from the platform.

Big ideas don’t fit in a one-size-fits-all package. Founders need flexibility. SVB banking services are designed to help clients as they turn big ideas into thriving businesses. You’re busy building a company. We’ve got services designed to help you accomplish more as you work to grow your business. Everything pre-series A companies need to help with jump-starting your business. Banking services for growing companies with an increased number of transactions. A business checking account with no maintenance or transaction fees, free online banking, unlimited incoming wires and ACH, unlimited outgoing wires including FX, bill payments and mobile deposits. Connections to Quickbooks, Xero, Expensify and other authorized applications. Make an unlimited number of deposits or withdrawals and there are no minimum balance requirements. Go cash-free, get global travel and business benefits and gain zero liability protection against fraudulent transactions.