With your Relay checking account1, you can send payments directly from your dashboard to a payee. In order to send a domestic wire, you must first add a payee for the individual or business you are looking to pay.

If you would rather take advantage of physical third-party checks, you'll have to order a checkbook through a third-party vendor, as Relay does not currently provide checkbooks to our customers directly. For more information on this, please see Ordering a third-party checkbook.

For instructions on how to deposit a check into your Relay account, please see Depositing a Check.

How to send a check payment

Web Mobile
  1. Sign in to your Relay account.
  2. Navigate to the Payments tab.
  3. Click New Payment at the top-right corner of your screen.
  4. Select the check recipient from the list of payees shown or add a new payee.
  5. Select Check as the payment method.
  6. Select the source account. Please note that the funds will not be deducted from the account balance until the check is deposited by the payee.
  7. Enter the payment amount, select the frequency & date of payment, and then enter the reason for payment (this will be printed on the memo line on the check).
  8. Review the recipient details, then click Next
  9. Confirm the payment details, then click Initiate Payment.
  10. A printable payment receipt will appear. Click Done.
  11. You can keep updated on the check's timeline by selecting the payment on your Home page and viewing the panel that appears on the right-hand side. 

Limits, processing timeline, and fees

All accounts have limits on how much you send by check per day and month. For more information on how to view your account limits please see Viewing your account limits.

Once the check payment has been created following the steps outlined above, the check is mailed out to the payee on the next business day. It takes about 8-10 business days for the check to arrive once mailed out.

There are no fees associated with sending check payments within the Relay dashboard.

Can I send checks outside of the U.S.?

No, checks can only be mailed to an address located within the U.S. at this time.

How do I know if the check was deposited by the payee?

The check will have an “In Progress” status until the payee deposits the check and the funds have settled into their bank account.

A “Settled” status means the check has been successfully deposited by the payee. Check payments only appear on Xero/QuickBooks Online bank feeds when they have “Settled”.

Please note: If a suite or apartment number is not added to the payee details, but is a necessity for the receiving address, the check may not arrive. If this happens, the check will need to be re-sent with the updated address details.

Can I cancel an outgoing check payment?

A stop payment can be placed on the check if it needs to be cancelled or if it does not arrive in the mail to the payee. Instructions on how to cancel a check payment can be found here: Canceling a check payment.

 

1 You can only send check payments from a Relay checking account. If you would like to move funds out of your savings account, you must first create an internal transfer in Relay between your savings and checking account.

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