Relay vs Grasshopper Bank

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

Compare	RelayRelay Financial	Grasshopper BankGrasshopper Bank, N.A.
In one line	Checking with up to 20 accounts for envelope budgeting	Chartered digital bank with free checking that pays interest
Starting price	Free	Free
Six-person team	$0/mo	$0/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	No monthly fee; $100 to open; ACH and incoming wires free; outgoing wires $5 domestic, $25 international; checking earns variable interest
Pricing model	Free	Free
Free trial	—	—
Users	Unlimited	Multiple, with approval rules
Both connect to	QuickBooks Online
Also connects to	Xero	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: M-F 9am-9pm ET
Incidents posted	We found no public status page for Relay Financial.	We found no public status page for Grasshopper Bank, N.A..
Trustpilot score	4.3 / 5 from 3,805 reviews	4.1 / 5 from 471 reviews
Fit: Retail shop	75	55
Fit: Restaurant or café	75	45
Fit: Service business	85	80
Fit: Agency or studio	70	80
Fit: Trades or contractor	85	60
Fit: Online store	70	72
Why people pick it	20 accounts for budgeting Cash deposits via ATM	Checking that pays interest A chartered bank, not a fintech layer
Where it falls short	No lending products	Outgoing wires cost $10 domestic, $25 international Cash deposits only at select MoneyPass ATMs
	Visit Relay ↗	Visit Grasshopper Bank ↗

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