Relay vs Chase Business Complete Banking

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

Short version

Compare	RelayRelay Financial	Chase Business Complete BankingJPMorgan Chase
In one line	Checking with up to 20 accounts for envelope budgeting	Branch banking with card acceptance built in
Starting price	Free	From $15/mo
Six-person team	$0/mo	$15/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	$15/mo service fee, or $0 when you meet a waiver condition; up to 20 paper and teller transactions and $5,000 in-branch cash deposits per statement cycle
Pricing model	Free	Paid
Free trial	—	—
Users	Unlimited	Unlimited
Both connect to	Xero
Also connects to	QuickBooks Online	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	Every plan
Live chat	None listed	None listed
Support hours	Not published	Not published
Incidents posted	We found no public status page for Relay Financial.	We found no public status page for JPMorgan Chase.
Trustpilot score	4.3 / 5 from 3,805 reviews	Not listed
Fit: Retail shop	75	85
Fit: Restaurant or café	75	85
Fit: Service business	85	70
Fit: Agency or studio	70	55
Fit: Trades or contractor	85	78
Fit: Online store	70	50
Why people pick it	20 accounts for budgeting Cash deposits via ATM	Branches for cash deposits Card acceptance included
Where it falls short	No lending products	$15 fee unless waived Caps on teller transactions and cash
	Visit Relay	Visit Chase Business Complete Banking

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