Bank of America Business Advantage vs Relay: which one fits your business?
Side-by-side comparison of Bank of America Business Advantage 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 7.3/10).
| Scored on | Bank of America Business Advantage | Relay |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 7 | 8 |
| Fees & pricing | 7 | 9 |
| Customer support | 6 | 6 |
| Features | 8 | 9 |
| Monthly fee (Fundamentals) | $16 (waivable) | — |
| Monthly fee (Relationship) | $29.95 (waivable) | — |
| ACH Transfers | $0 | — |
| Cash Deposit Limit | Up to $20,000 free | — |
| Domestic Wire (Incoming) | $0 - $15 | — |
| Monthly maintenance | — | $0 |
| Domestic ACH | — | $0 |
| Incoming Wires | — | $0 |
| Outgoing Domestic Wire | — | $5 (Free with Pro) |
| Relay Pro Subscription | — | $30/mo |
Bank of America Business Advantage in one paragraph
A powerhouse for businesses with $20k+ in cash who can leverage the credit card rewards stack, but a fee-heavy burden for micro-entities.
Skip it if: You cannot consistently maintain at least a $5,000 average daily balance.
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, Bank of America Business Advantage or Relay?
On our five-axis scorecard, Relay scores higher (8.4/10 vs 7.3/10). 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 Bank of America Business Advantage?
You cannot consistently maintain at least a $5,000 average daily balance.
Who should skip Relay?
You handle more than $2,000 in physical cash deposits per month or require immediate in-person teller support.