Axos Basic Business Checking vs Relay: which one fits your business?
Side-by-side comparison of Axos Basic Business Checking and Relay — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Relay wins on our scorecard (8.4/10 vs 7.7/10).
| Scored on | Axos Basic Business Checking | Relay |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 8 | 8 |
| Fees & pricing | 9 | 9 |
| Customer support | 6 | 6 |
| Features | 7 | 9 |
| Monthly Maintenance Fee | $0 | — |
| Minimum Opening Deposit | $50 | — |
| Transaction Limit | 200 per month ($0.30 thereafter) | — |
| ATM Fees | Unlimited domestic reimbursements | — |
| Monthly maintenance | — | $0 |
| Domestic ACH | — | $0 |
| Incoming Wires | — | $0 |
| Outgoing Domestic Wire | — | $5 (Free with Pro) |
| Relay Pro Subscription | — | $30/mo |
Axos Basic Business Checking in one paragraph
A rock-solid, zero-fee utility account for digital-only businesses that want the security of a direct bank relationship without the 'fintech' middleman.
Skip it if: Skip it if your business handles more than $3,000 in physical cash monthly or exceeds 200 transactions regularly.
Relay in one paragraph
Relay is the premier choice for small business owners using the Profit First method who need robust sub-account partitioning without the headache of monthly fees.
Skip it if: You handle more than $2,000 in physical cash deposits per month or require immediate in-person teller support.
Frequently asked questions
Which is better, Axos Basic Business Checking or Relay?
On our five-axis scorecard, Relay scores higher (8.4/10 vs 7.7/10). Relay is the premier choice for small business owners using the Profit First method who need robust sub-account partitioning without the headache of monthly fees.
Who should skip Axos Basic Business Checking?
Skip it if your business handles more than $3,000 in physical cash monthly or exceeds 200 transactions regularly.
Who should skip Relay?
You handle more than $2,000 in physical cash deposits per month or require immediate in-person teller support.