Relay vs U.S. Bank Silver Business Checking: which one fits your business?
Side-by-side comparison of Relay and U.S. Bank Silver Business Checking — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Relay wins on our scorecard (8.2/10 vs 6.7/10).
| Scored on | Relay | U.S. Bank Silver Business Checking |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 8 | 7 |
| Fees & pricing | 9 | 8 |
| Customer support | 6 | 5 |
| Features | 9 | 6 |
| Monthly Maintenance Fee | $0 | $0 |
| Relay Pro Fee | $30/mo | — |
| Domestic Wire (Standard) | $5 | — |
| International Wire (Standard) | $10 | — |
| Minimum Opening Deposit | $0 | $100 |
| Free Transactions per Month | — | 125 |
| Cash Deposit Limit (Free) | — | $2,500 |
| Outbound Domestic Wire | — | $30 (approx) |
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.
U.S. Bank Silver Business Checking in one paragraph
A solid, no-fee 'starter' account for low-volume service businesses that want the security and lending access of a national bank.
Skip it if: You process more than 125 transactions per month or deposit more than $2,500 in physical cash monthly.
Frequently asked questions
Which is better, Relay or U.S. Bank Silver Business Checking?
On our five-axis scorecard, Relay scores higher (8.2/10 vs 6.7/10). 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 Relay?
Skip it if you run a cash-heavy retail business or need to deposit large physical checks frequently.
Who should skip U.S. Bank Silver Business Checking?
You process more than 125 transactions per month or deposit more than $2,500 in physical cash monthly.