Relay vs Truist Simple Business Checking: which one fits your business?
Side-by-side comparison of Relay and Truist Simple Business Checking — 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 7/10).
| Scored on | Relay | Truist Simple Business Checking |
|---|---|---|
| Right fit for small biz | 9 | 8 |
| Ease of use | 8 | 7 |
| Fees & pricing | 9 | 8 |
| Customer support | 6 | 6 |
| Features | 9 | 6 |
| Monthly maintenance | $0 | — |
| Domestic ACH | $0 | — |
| Incoming Wires | $0 | — |
| Outgoing Domestic Wire | $5 (Free with Pro) | — |
| Relay Pro Subscription | $30/mo | — |
| Monthly Maintenance Fee | — | $0 |
| Transaction Limit | — | 50 per month |
| Excess Transaction Fee | — | $0.50 per item |
| Cash Deposit Limit | — | $2,000/mo free |
| Overdraft Fee | — | $36 |
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.
Truist Simple Business Checking in one paragraph
A solid, no-frills entry point for low-volume local businesses that value physical branch access over high-tech features.
Skip it if: Skip it if you process more than 50 transactions a month or need your idle cash to earn a competitive interest rate.
Frequently asked questions
Which is better, Relay or Truist Simple Business Checking?
On our five-axis scorecard, Relay scores higher (8.4/10 vs 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 Relay?
You handle more than $2,000 in physical cash deposits per month or require immediate in-person teller support.
Who should skip Truist Simple Business Checking?
Skip it if you process more than 50 transactions a month or need your idle cash to earn a competitive interest rate.