The Relay Business Banking Small Business is a fintech account from Relay Business Banking. The annual fee is $0. The ongoing APR is N/A (Debit). Rewards: cash back rewards will be automatically deposited into your Relay checking account within 30 days of the end of the credit card billing cycle. Cash back: 1% (Pro). Typical credit limit: N/A (Debit). Free business checking with up to 20 separate accounts. Profit First friendly. Debit card included. No minimum balance. Ideal for managing multiple business accounts. | PG verification: While the product states no personal guarantee is required, some users have reported that a PG may be necessary depending on the business's financial situation.