The Bank Account Built for the System You're Already Running

Relay is the free business banking platform behind the ACE cash flow structure — the 5 accounts (Income, Owner Pay, Operating Expenses, Taxes, Profit) that make sure every dollar has a job before you spend it.

Free Banking. Built for Structure.

Relay is free business banking with no monthly fee and no minimum balance. It gives you up to 20 sub-accounts and 50 debit cards under one login, and it lets you set automated transfer rules — so instead of manually moving money around, you can have it split by percentage the moment it comes in.

No monthly fees

Up to 20 sub-accounts

Automated transfer rules

That's the entire engine behind the 5-account system: money lands in Income, and Relay moves it into Owner Pay, Operating Expenses, Taxes, and Profit automatically — on whatever rhythm you set.

How It Works for You

Freight & Transportation

Dispatcher, fleet owner, or 1099 driver — Relay is what turns 'I got paid' into 'I know exactly what's mine to spend, what's owed to the IRS, and what's actual profit,' load after load.

Businesses & Independent Workers

Freelancer, contractor, or business owner — Relay does the same job on every payout: it's structured before you ever have to think about it.

See Relay for Yourself

Everything we've described — the sub-accounts, the automated transfers, the zero fees — is live and waiting at relayfi.com. Take a look around before you open your account.

Visit relayfi.com →

Your Foundation Is 10 Minutes Away

Set up your Relay account free — it takes about 10 minutes, and it's the foundation everything else in the ACE system runs on.

Free to open. No monthly fees. No minimum balance.