
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.



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.
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.
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.
Freelancer, contractor, or business owner — Relay does the same job on every payout: it's structured before you ever have to think about it.
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.
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.
The Bank Account Built for the System You're Already Running