Relay account guidance
Online business banking for US businesses, with multiple accounts and cards. We help you check whether it fits, prepare your documents and apply.
- Usually only suitable if your owners have a real US address.
Living in Pakistan?
Not available for owners who live in or are citizens of Pakistan.
What Relay offers
- Business checking accounts and debit cards
- Multiple accounts for budgeting
- Bill pay and accounting integrations on paid plans
Who may be eligible
- US-registered businesses
- Non-US owners are accepted only if the business has an operating presence in the US
- Every beneficial owner must give a physical US address (no PO boxes or virtual mailboxes)
- Some industries and countries aren’t supported
What Relay usually asks for
Based on Relay’s official help pages, checked October 2026. The provider may ask for more.
- EIN
- Articles of Organization or Incorporation
- Operating Agreement for multi-member LLCs
- US business address and phone number
- Passport for non-US owners
How we help you apply
Check fit
We review your company, owners and countries against the provider’s rules.
Prepare documents
We get your formation papers, EIN letter and ownership details ready.
Apply online
You apply on the provider’s official website. We guide you through each question.
Answer follow-ups
Providers often ask for more information. We help you respond.
Provider decides
The provider approves or declines. We can’t guarantee approval.
What it costs
Fees as published on Relay’s official website, checked October 2026. Providers change fees, so confirm before applying.
Visit RelayApproval depends on the provider
- Each provider sets its own eligibility rules and makes its own decision. We can’t guarantee an account will be approved.
- Not every non-US resident qualifies. Country of residence, industry and business activity can all affect eligibility.
- Ze Filing isn’t a bank and isn’t affiliated with Relay.
Want help with Relay?
Tell us about your company and where its owners live. We’ll tell you honestly whether it’s a good fit.