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 (8.2/10 vs 7.7/10).
| Scored on | Axos Basic Business Checking | Relay |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 8 | 8 |
| Fees & pricing | 9 | 9 |
| Customer support | 6 | 6 |
| Features | 7 | 9 |
| Monthly Maintenance Fee | $0 | $0 |
| Opening Deposit Requirement | $50 | — |
| Free Transactions per Month | 200 | — |
| Out-of-Network ATM Fee | Unlimited Domestic Reimbursements | — |
| Relay Pro Fee | — | $30/mo |
| Domestic Wire (Standard) | — | $5 |
| International Wire (Standard) | — | $10 |
| Minimum Opening Deposit | — | $0 |
Axos Basic Business Checking in one paragraph
A rock-solid, no-fee choice for digital-first businesses that want the security of a chartered bank without the monthly overhead.
Skip it if: You handle more than $2,000 in physical cash monthly or exceed 200 transactions per month.
Relay in one paragraph
The best choice for business owners who want to automate their budgeting through multiple accounts without getting nickel-and-dimed on monthly fees.
Skip it if: Skip it if you run a cash-heavy retail business or need to deposit large physical checks frequently.
Frequently asked questions
Which is better, Axos Basic Business Checking or Relay?
On our five-axis scorecard, Relay scores higher (8.2/10 vs 7.7/10). The best choice for business owners who want to automate their budgeting through multiple accounts without getting nickel-and-dimed on monthly fees.
Who should skip Axos Basic Business Checking?
You handle more than $2,000 in physical cash monthly or exceed 200 transactions per month.
Who should skip Relay?
Skip it if you run a cash-heavy retail business or need to deposit large physical checks frequently.