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
Relay provides multi-account business banking, team debit cards, and accounts payable for small businesses and bookkeepers.
Descriptors include RELAY* BUSINESS BANK, RELAY PRO SUB, or RELAYFI.COM, billing $30 per month for Relay Pro or individual wire fees.
Common reasons for this charge
- 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
- 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 [email protected] or call 1-888-205-9304.
How long does a dispute investigation take?
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