Relay vs Bank of America Business Advantage

Two banking tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	RelayRelay Financial	Bank of America Business AdvantageBank of America
In one line	Checking with up to 20 accounts for envelope budgeting	Branch checking with the first year free
Starting price	Free	From $16/mo
Six-person team	$0/mo	$16/mo
Plans	Starter free (20 checking accounts); Grow $30/mo adds approval rules and recurring invoices; Scale $120/mo ($90 limited-time) adds free same-day ACH and 50 accounts	Fundamentals: $0 for 12 months, then $16/mo unless you keep a $5,000 combined average balance, spend $500/mo on the debit card, or join Preferred Rewards; Relationship: $29.95/mo or $0 with waivers
Pricing model	Free	Paid
Free trial	—	—
Users	Unlimited	Unlimited
Both connect to	QuickBooks Online, Xero
Also connects to	No others on record	No others on record
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people · 11–50 people
Available in	US	US
Phone support	Scale only	Plans not stated
Live chat	None listed	None listed
Support hours	Not published	Phone: Mon–Fri 7 a.m.–11 p.m. ET; Sat 8 a.m.–8 p.m. ET
Incidents posted	We found no public status page for Relay Financial.	We found no public status page for Bank of America.
Trustpilot score	4.3 / 5 from 3,805 reviews	Not listed
Fit: Retail shop	75	82
Fit: Restaurant or café	75	80
Fit: Service business	85	72
Fit: Agency or studio	70	55
Fit: Trades or contractor	85	75
Fit: Online store	70	50
Why people pick it	20 accounts for budgeting Cash deposits via ATM	First year free Large branch network
Where it falls short	No lending products	$16 fee after a year unless waived Low interest
	Visit Relay ↗	Visit Bank of America Business Advantage ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices