Relay business banking, handled for you
The most solid alternative to Mercury. Relay accepts an overseas operating address (no US premises needed), and its 20 sub-accounts suit e-commerce and agencies that budget by bucket. We can apply on your behalf — a free check first to see if Relay fits.
Why non-residents get stuck applying to Relay
The operating address trips people up
A registered agent works only as the company address; the operating address must be a real place of business (a home address is fine, but not a virtual mailbox or PO box). Get it wrong and you're declined.
A long, clunky form
Relay's application is noticeably longer than Mercury's — one inconsistent field can sink it.
Not sure Relay is the right fit
Relay shines at multi-account budgeting, but international wires cost money and there's no API — the wrong pick wastes an attempt.
Stuck after a rejection
A past rejection counts against you; reapplying blindly is risky — you need the reason first, then a new approach.
What we do for you
Pre-check & pick the bank
We assess whether Relay fits you or Mercury is the safer bet — so no attempt is wasted.
Address & documents
We get your operating-address proof, formation docs and business description in line with Relay's current rules.
Apply, correctly
We guide or complete each field with you, avoiding the address and consistency traps.
Recover from a rejection
Rejected before? We diagnose why, adjust the strategy, and help you reapply or switch to a better-fit bank.
How it works
Tell us your situation
A short form: nationality, company status, business, any past rejection. Free.
We assess & advise
We review it, get back to you, and tell you whether Relay is solid for you or another bank fits better.
Prepare & submit
We get the documents right and submit to Relay properly.
Follow through to approval
If there are follow-ups, we stay with you until the account is live.
Why us
- We know Relay's address rules — which addresses pass and which get auto-declined
- We'll tell you whether Relay or Mercury fits you better — and say so if neither does
- We handle Mercury, Relay and more — one stop, no trying each bank yourself
- If it won't work, we'll tell you straight — no charging you for nothing
Service tiers & pricing
Priced by depth of service, not by which bank you pick — one bank is the Essential tier.
Have a US company and just want one bank done right? We handle the one you pick — most choose Mercury, but Relay, Lili or Slash work too.
- Eligibility pre-check
- We apply to 1 bank (your pick — usually Mercury)
- Document audit & prep
- We handle the bank's follow-ups
- You provide your own company website & domain email
- No approval, no fee
End-to-end — with a backup bank if the first one declines.
- Eligibility pre-check
- Apply to 2 banks (primary + backup)
- Company website + domain + email, built for you (boosts approval)
- Document audit & preparation
- We handle the bank's follow-up questions
- Daily progress updates
- 30 days of post-approval support
- No approval, no fee
No US company yet? Wyoming LLC, EIN, and multiple bank accounts — all handled.
- Wyoming LLC formation (no state income tax, privacy)
- EIN registration
- Company website + domain + email, built for you
- Open 2–3 banks (primary + backups)
- Full document preparation
- Extended post-approval support
- No approval, no fee (on the banking step)
FAQ
Can non-US residents open Relay?+
Yes. Relay accepts non-residents for a US LLC / Corp and allows an overseas operating address — it does not require US premises.
Does Relay need a US address?+
The operating address must be a real place of business (a home address, US or overseas, with proof) — not a virtual mailbox or PO box. A registered agent is fine as the company address.
Relay or Mercury?+
Mercury is simpler and more general, with an easier form; Relay is stronger for multi-account budgeting (e-commerce, agencies). The free check helps you decide.
How long does it take?+
Once documents are ready, usually a few business days to a couple of weeks, depending on review — we don't promise an exact time.
What does it cost?+
The eligibility check is free. Pricing depends on your situation (existing company, past rejection, etc.) and is quoted clearly after the check.
Two minutes to see if Relay fits
Free check, or just tell us your situation.