{"account":{"slug":"relay-business-banking","bank":"Relay","name":"Business Banking"},"status":"recent","lastVerified":"2026-10-05","officialSource":"https://relayfi.com","history":[{"date":"2026-10-05","apy":"Auto-savings pays 1.19% (Starter), 1.87% (Grow), or 3.21% (Scale) as of 10/5/2026","monthlyFee":"$0 (Starter)","minimumOpen":"None","atm":"Fee-free at Allpoint ATMs, including cash deposits at deposit-enabled machines","note":"Previously published snapshot; later corrections are recorded below."},{"date":"2026-10-22","apy":"Auto-savings pays 1.19% (Starter), 1.87% (Grow), or 3.21% (Scale) as of 10/5/2026","monthlyFee":"$0 (Starter)","minimumOpen":"None","atm":"Fee-free Allpoint withdrawals; deposit-enabled Allpoint+ machines accept cash without a surcharge, up to $1,000 per transaction. Green Dot retailer deposits have separate limits and retailer fees up to $4.95.","note":"Corrected Scale discount, account limits and payment benefits; added Green Dot cash access. Other unverified account fields retain their earlier verification date.","sourceUrl":"https://relayfi.com/pricing/","sourceLabel":"Official provider terms"},{"date":"2026-10-23","apy":"Auto-savings pays 1.19% (Starter), 1.87% (Grow), or 3.21% (Scale) as of 10/5/2026","monthlyFee":"$0 (Starter)","minimumOpen":"None","atm":"Fee-free Allpoint withdrawals; deposit-enabled Allpoint+ machines accept cash without a surcharge, up to $1,000 per transaction. Green Dot retailer deposits have separate limits and retailer fees up to $4.95.","note":"Scoped correction to wire and same-day ACH fees from the September 1 agreement, Starter sole-proprietor account limit and conditional sweep coverage. Savings rate values were reconfirmed on the pricing page, whose rate date is September 17. Other fields retain the October 5 full-record date.","sourceUrl":"https://relayfi.com/deposit/","sourceLabel":"Relay business deposit agreement"}],"verificationEvents":[{"id":"acd66799-22b1-4c6d-b7d1-0991cd271b04","entityType":"bank-account","slug":"relay-business-banking","checkedAt":"2026-10-23T08:17:12.827Z","recordedAt":"2026-10-23T08:17:12.827Z","sourceUrl":"https://relayfi.com/deposit/","sourceLabel":"Relay September 1 2026 deposit agreement fee schedule","outcome":"changed","summary":"Corrected domestic wire and same-day ACH fees in account plans and Mercury comparison. Scoped checks also covered Starter sole-proprietor limits, savings rate date, cash deposit access and sweep conditions. Full account verification date retained.","changedFields":["plans","features","fdic","termHistory"],"previousHash":"46e4666e4cfe45eb321b6263d8ed34a67d14bef1ee561f1fea5a822da39a4fad","recordHash":"4d6c73b2bf1d07277a39af6e613e606a0fd6f758497a499acaffcc16a5078b1f"},{"id":"eebf109a-8ff5-4b3e-bb6f-08f29ee6c773","entityType":"bank-account","slug":"relay-business-banking","checkedAt":"2026-10-23T03:15:12.048Z","recordedAt":"2026-10-23T03:15:12.049Z","sourceUrl":"https://relayfi.com/hc/en-us/articles/27424897508756-Adding-cash-to-your-Relay-account/","sourceLabel":"Relay official cash-deposit instructions","outcome":"changed","summary":"Verified Allpoint+ cash deposits without surcharge up to $1000 each and Green Dot retailer fees and limits.","changedFields":["atm"],"previousHash":"1f82683cfeb991401fff0a4ffccef16204f5029b230d3b3c3559ffa93001767e","recordHash":"cf40331059ba65587127c4c9e34eb3b0f9d1fc05d228bfba016a998913922647"},{"id":"35f0b166-bde5-4137-9137-6f31dedd2fdf","entityType":"bank-account","slug":"relay-business-banking","checkedAt":"2026-10-23T03:15:11.976Z","recordedAt":"2026-10-23T03:15:11.977Z","sourceUrl":"https://relayfi.com/pricing/","sourceLabel":"Relay current pricing","outcome":"changed","summary":"Corrected Scale discount from $120 to $90 for a limited time, 50 Scale accounts and same-day ACH benefit; removed unverified fixed wire pricing. Partial review retains earlier overall verification date.","changedFields":["plans","features","pros","cons","ourTake"],"previousHash":"6d4ffc67e195d2048dc9845848969bafff1901aac63fdcae68311d64e1a2a7aa","recordHash":"1f82683cfeb991401fff0a4ffccef16204f5029b230d3b3c3559ffa93001767e"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}