ACH fails to make payments, repeated and duplicate payment problem, never a response from Relay, bugs in platform that produce errors and prevent use of the platform.

DO NOT BANK WITH RELAY FINANCIAL They forcefully require all bank accounts to switch from their "1.0" to their "2.0". I have had this bank for a few years and have to make this switch. I now have to manually update all my subscriptions and inform my clients that they, too, have to do more work switching my account numbers around. Find another bank. I hear Novo is good. When is this going to change again, causing the same issues? "3.0" in the next year? "4.0" the year after?

Love this bank. Payments are easy, Deposits easy. Not cash friendly but have solutions. Great user control. I am an accountant and love how this bank handles multi-entity banking and allows us to be way more efficient. Images of checks come through the bank feed via a link. Its great.

Relay offers an evolution in banking. Experienced users will see some benefits immediately: great customer service, solid feeds, nice to be able to say to our friends that wire transfers are free, a single login for multiple clients, etc. Yes, there are some unfinished issues they are working on - and this is to be expected for new tech. As a business owner, I'm interested in a solid ecosystem, and simply want banking to work. We support Relay and genuinely like their service and people. Considering what they are trying to do, we are more than willing to experiment with them. All of us will benefit.

We've faced nonstop issues with Relay. I was excited about all the positive review here. But unfortunately we've not had the same experience. As a former software developer, its clear their team is not focused on the details. I've received emails with "NULL" in them when data was missing. They have counters screens that are regularly wrong (step 4 out of 3). Their international wire form requires you send an email to support to understand why it isn't validating, even if its just a character that isn't allowed. Our Xero connection randomly fails. Bills don't show up, leading us to miss payments. The only redeeming thing so far is their customer service is responsive.

Never have a broken bank feed, have more information to sleuth client expenses, easy ACH payments. I can't tell you how much easier it is with clients who have listened and opened their Relay accounts.