Relay vs Novo

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

Compare	RelayRelay Financial	NovoNovo
In one line	Checking with up to 20 accounts for envelope budgeting	Free online business checking with ATM fee refunds
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; no minimum balance; ATM fees refunded up to $7/mo
Pricing model	Free	Free
Free trial	—	—
Users	Unlimited	Account owner plus cards
Both connect to	QuickBooks Online, Xero
Also connects to	No others on record	FreshBooks
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people
Available in	US	US
Phone support	Scale only	None listed
Live chat	None listed	Every plan
Support hours	Not published	Not published
Incidents posted	We found no public status page for Relay Financial.	We found no public status page for Novo.
Trustpilot score	4.3 / 5 from 3,805 reviews	4.0 / 5 from 4,873 reviews
Fit: Retail shop	75	55
Fit: Restaurant or café	75	45
Fit: Service business	85	85
Fit: Agency or studio	70	85
Fit: Trades or contractor	85	70
Fit: Online store	70	82
Why people pick it	20 accounts for budgeting Cash deposits via ATM	No fees or minimums Good app integrations
Where it falls short	No lending products	Awkward for cash deposits No branches
	Visit Relay ↗	Visit Novo ↗

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