If you need to increase the transaction limits on your Relay account—such as for ACH payments, check deposits, or wire transfers—you can submit a request directly from the Relay dashboard or mobile app.
Please Note: Only business owners on the account can request a transaction limit increase. Team members and advisors do not have access to this feature.
In This Article
What are transaction limits?
For compliance and security, Relay sets default transaction limits when you open your account. These limits apply to different types of transactions (e.g., ACH, wires, mobile check deposits) and are customized for each business.
If your business needs change, you can request a limit increase at any time.
Important: Only business owners can submit transaction limit increase requests.
How to request a transaction limit increase
- Sign in to your Relay account.
- Navigate to the Accounts tab, then select Manage Accounts from the drop-down menu.
- Click Transaction Limits.
- Locate the type of transaction that you are requesting a limit increase for (e.g., ACH payments, mobile check deposits, etc.), then click Request limit increase.
- You will now be prompted to fill out a few fields before submitting your request. Note that any required fields will be marked with an asterisk (*). Once this is filled out, click Continue.
- To process your request for a limit increase, our Customer Operations team will require some additional information. Please provide whatever you can so we can ensure that your request is reviewed promptly. Once you've submitted this information, click Submit Request.
- Sign in to the Relay app on your mobile device.
- Navigate to the Accounts tab.
- Tap into a specific checking account.
- Tap the three vertical dots at the top-right corner of your screen, then click View transaction limits.
- All transaction limits for that checking account will be listed here. Select the type of transaction that you are requesting a limit increase for (e.g., ACH payments, mobile check deposits, etc.), then tap Request limit increase.
- You will now be prompted to fill out a few fields before submitting your request. Note that any required fields will be marked with an asterisk (*). Once this is filled out, click Continue.
- To process your request for a limit increase, our Customer Operations team will require some additional information. Please provide whatever you can so we can ensure that your request is reviewed promptly. Once you've submitted this information, click Submit Request.
What Happens After I Submit a Request?
Our Customer Operations team will review your submission and respond within 3 business days. We may reach out for additional information or documentation if needed. You'll receive a confirmation once your request is approved or if further action is required.
One-Time vs. Permanent Increases
When submitting your request, you'll be asked whether the increase is for a single transaction or for future transactions:
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One-time increases are ideal for large, occasional payments.
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Permanent increases are better if your business needs are changing and you'll be consistently moving larger amounts.
If you're unsure which to choose, start with what you need right now—our team can always reassess later.
Still have questions? Our team is ready to help! Talk to our Customer Experience team