The short answer
The registry records Relay Business Banking & Relay Pro SaaS as a possible interpretation of RELAY* BUSINESS BANK. This descriptor-to-company association has not passed claim-level evidence review. Compare the exact line, amount and posted status with your own receipt or account activity; the name alone cannot confirm the merchant or whether you authorized the payment.
What do the parts of RELAY* BUSINESS BANK mean?
- RELAY * BUSINESS BANK
- Before the asterisk, "RELAY" usually names the platform or parent company. After it, "BUSINESS BANK" usually names the product, store or order. How descriptors work →
The notes below are unreviewed registry explanations, not confirmation of merchant identity, authorization or current policy. Claim-level source review is pending for this entry.
Why it shows up like this
Unreviewed registry note: 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.
Unreviewed registry note: 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.
Common reasons for this charge
Unreviewed registry note: Reviewing itemized account statements helps distinguish between optional software subscription fees and transactional debit card purchases.
- Unreviewed registry note: A monthly $30 Relay Pro subscription fee for automated AP approval workflows and same-day ACH.
- Unreviewed registry note: An outgoing wire transfer fee ($5 domestic, $10 international).
- Unreviewed registry note: A purchase made using a Relay Visa debit card.
Frequently Asked Questions
Is Relay's basic banking plan free?
Unreviewed registry note: 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?
Unreviewed registry note: Banking services are provided by Thread Bank, Member FDIC.
Dispute Rights & Fraud Prevention
Unreviewed registry note: If you did not authorize a Relay fee or debit card transaction, contact Relay support and your bank.
How do I report an unexpected Relay charge?
Unreviewed registry note: Contact Relay member support at [email protected] or call 1-888-205-9304.
Unreviewed registry note: 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.
Sources and evidence
Sources may support different parts of this page. A company homepage does not establish a statement descriptor, refund policy or contact detail. Check the claim notes and your own receipt before acting.
- Relay Terms of Service https://relayfi.com
- CFPB: Commercial Banking & Electronic Fund Transfers https://www.consumerfinance.gov
Evidence review pending · pending · About UnknownCharges