Relay Financial Reviews 

Relay closed my business account on July 2, 2026. In writing, the company stated that its investigation could take up to 45 days and that my remaining balance would then be mailed by check.

More than 70 days have now passed. I have received no check, no release date, and no substantive explanation. Relay later claimed the period meant 45 business days, even though the original notice simply said 45 days. That extended period has also expired.

Despite repeated contact, I continue to receive generic responses while my company’s funds remain inaccessible.

I am requesting the immediate release of my balance and escalation to Relay’s compliance team and Thread Bank. Ticket #1247963 remains unresolved.

Christian from Customer Support was extremely helpful. He was very friendly, solution-oriented, and kept all his promises—both on the phone and via email. Thank you very much for your reliable assistance.

I recently went through the Relay account verification process, and while I had a few issues with my application and account access, the support team was extremely helpful throughout the process.

A special thanks to Summer from Relay Support, who was patient, professional, and very responsive. She took the time to understand my situation, helped clarify the address verification requirements, and guided me through the necessary steps until everything was properly resolved.

I also had an issue accessing my account due to my previous 2FA phone number being unavailable, and Relay's customer support was able to help me regain access.

Overall, I’m very happy with the level of customer service I received. The process had a few complications on my side, but the Relay team was there to help and made everything much easier.

Thank you to Summer and the Relay Support team for the excellent assistance. Highly recommended!

I wish I could see how much money has been deposited MTD and YTD. This feature does not exist on the mobile app, as it only exists on the desktop browser version. Another thing is that the Customer Service is not 24/7. Other than that, the bank is great!

Absolutely love their platform! Everything is intuitive, quick, and much more capable than most banks I run across. I may be somewhat biased as a CPA, but Relay really prioritized features that accountants appreciate and that I believe business owners in general will appreciate too.

Title: Relay Financial froze my account, took my $511, and went completely silent. resolution found.

Tierra Rouse

I have been a Relay customer with regular, legitimate account activity. On September 4, 2026, my account was frozen without warning. No email. No explanation. No request for documents. Just frozen.

I was told the compliance review would take 1–3 business days. I immediately completed everything they asked for — I verified my phone number and confirmed my last transaction. That was 7 business days ago.

Since then, I have received nothing. No email. No call. No update. No timeline. No reason. Just silence.

I have contacted Relay multiple times via chat and email. I have a formal complaint on file. I have filed with the CFPB. And still — nothing.

This is not a fraud case. This is not a criminal investigation. This is my own money — $511 — that I earned and deposited through legitimate transactions. Relay has decided to hold it hostage with zero accountability and zero communication.

Their own policy says they will not close an account without warning or requesting more information. They violated that. Their own policy promises acknowledgment within 1 business day and a final response within 15 business days. They violated that too.

I am not a criminal. I did not commit fraud. I used my account the same way millions of people use Cash App and other payment platforms every day. And because of Relay's broken, opaque, and frankly abusive compliance system, I cannot pay my rent or my bills.

Relay is a fintech company backed by Thread Bank — a bank that is currently under an FDIC consent order for failures in its risk management and anti-money laundering controls. That tells you everything you need to know about how this company operates. They freeze first, ask questions never, and leave customers like me out on the street.

If you are thinking about opening a Relay account: don't. Find a real bank. Find a bank with a phone number that works, a branch you can walk into, and human beings who will actually help you. Relay is not that bank.

If you are already a Relay customer: get your money out now. Before they freeze your account for no reason and leave you with nothing but silence and a chatbot.

Tierra Rouse
Request #1261819

Dear John,

Thank you very much for your assistance and for taking the time to help me resolve this matter. I truly appreciate you and your team stepping in to get everything sorted out.

I'm relieved that the funds have been transferred and that this is finally resolved. I know this process took longer than anyone expected, and I'm grateful for your patience and professionalism throughout.

Please extend my thanks to the rest of your team as well. I wish you all the best.

Sincerely,
Tierra Rouse
Request #1261819

Relay Financial delivers a genuinely smooth banking experience. Communication with their professional Support team is fast, clear, and consistently helpful, you always feel like you’re speaking with experts who understand your needs. Their due‑diligence process is top‑notch as well: thorough, transparent, and reassuring at every step. Overall, Relay combines modern usability with a level of professionalism that sets them apart.

Julian L.- Customer Experience Specialist was very empathetic regarding the process of updating any protected information. I needed a telephone number updated. I was frustrated and wasn’t in the mood for what needed to be done. Julian remained professional the whole time! We got through it. Thank you Julian and Relay.

I use the chat feature to get assistance with adding a doing business as name to my account. Naomi was extremely helpful and courteous throughout the entire interaction and committed to follow up via email. Within a day, I received confirmation that the changes were made. The entire process was simple and frictionless. So thankful for the Relay app and the Relay Team..

Took care of the problem

Simple, fast with a great customer service.

Outstanding bank, excellent features, top rated support!

Customer service (Nadine) was very prompt and kind responses in there responses. The person that helped me was very knowledgeable. I enjoy the Relay app and the bank’s processes for both opening a new account as well as moving money from external accounts to Relay.

Relay is the best business checking account my company has ever had since 1994. I love the app, and the simplicity of all the features offered. Amazing expertise & experience I have had. Kevin ! Waste Away Junk Removal, LLC!!!!

Excellent customer service! Julian was extremely helpful, professional, and patient throughout the entire process. He quickly understood my situation and made sure everything was resolved successfully. I truly appreciate his assistance and the excellent service he provided. Thank you, Julian!

Angelica was so patient & gave excellent customer service.

Perfect for any construction companies or trade subcontractors!

I switched to RelayFI about two years ago for my small business banking needs. It mimics what worked so well for me in my personal finances: when money has a purpose and a clear place to go, it’s easier to manage. Having different accounts for different financial needs means I automatically set aside money for things like taxes, while ensuring I can do what eludes many small businesses: be profitable by treating profit as a non-negotiable line item. Their customer service is quick and helpful, too! Wins all around!