Once you've linked a bank account to Relay, you can seamlessly add funds into your Relay account. You can also add funds to your account by ACH, domestic wire, international wire, check deposit, or cash deposit.
If you're looking to transfer funds from Relay to your linked external account instead of the other way around, please see Transferring funds to an external bank account.
How to add funds
- Sign in to your Relay account.
- Navigate to the Home or Accounts tab.
- Click Add money at the top-right corner of your screen, then select From external account from the drop-down menu.
- From the Bank account drop-down menu, select the desired funding account.
- Select the Relay checking account1 you would like to add money to.
- Enter the amount you would like to transfer to Relay, then click Next.
- Review your transfer details, then click Done.
- Sign in to the Relay app on your mobile device.
- On your Home tab, tap Add money.
- Select the Relay checking account1 you would like to add money to.
- Enter the amount you would like to transfer to Relay, then tap Next.
- Select the external bank account you want to pull funds from. Your linked external accounts will be listed at the bottom.
- Review your transfer details, then tap Confirm.
Available balances
When initiating a deposit, the transfer amount entered cannot exceed the displayed available balance in your external account. The available balance in Relay is regularly updated every day (approximately once every 24 hours), however, it may be out of sync with what is shown in your external account in that moment.
If your external bank balance displayed in Relay does not automatically update after 24 hours, please contact our Customer Experience team, or try disconnecting then reconnecting your external bank account to Relay as a quick fix.
Limits, processing timeline, and fees
All accounts have limits on how much you can transfer both in and out of Relay per day and per month. For more information on how to view your account limits, please see Viewing your account limits. For guidance on how to request a transaction limit increase, if needed, please see Requesting a transaction limit increase.
External transfers take 1 to 3 business days to clear on average, not including weekends or holidays. On occasion, these transfers may take up to 5 business days.
There is no fee associated with adding funds to Relay from your linked external account.
Can I edit the nickname of a linked external bank account?
Yes! For instructions on how to edit external account nicknames in Relay, please see Editing the nickname of a linked bank account.
1 You can only receive deposits from external sources into Relay checking accounts. If you would like to move funds from an external account into one of your Relay savings accounts, you must first deposit the funds into a checking account, then create an internal transfer in Relay between your checking and savings account.