With your Relay checking account, you can send ACH payments to a payee. In order to send an ACH, you must first add a payee for the individual or business you are looking to pay.
Please Note: You can only send ACH 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.
How to send an ACH
- Sign in to your Relay account.
- Select the Payments tab.
Click Send an ACH.
Select Same-Day ACH or Next-Day ACH.
In Recipient (Vendor), select an existing payee — or click + to add a new payee.
Select the Pay From Account.
Enter the Amount.
Click Next Step.
Confirm the Payment Method and Payee Details.
Select the Scheduled Date (choose a date in the future to schedule a payment)
Select whether the payment is recurring or not.
Enter the Memo.
Click Next Step.
Confirm the payment details once more and select Pay.
- Sign in to your Relay account using the mobile app
- Select the Payments tab
- Press Send Payment
- Select a recipient from the list of payee's shown
- Enter the payment Amount
- Select the Source Account for the payment
- Select Same Day ACH or ACH Next Day as the payment method
- Customize the payment with the desired Memo
- Once you have confirmed the payment details press Pay
Limits, processing timeline, and fees
All accounts have limits on how much you can send by ACH per day and month. For more information on how to view your account limits, please see Viewing your account limits.
The recipient will receive the payment within 1 to 2 business days. The cutoff time for next-day ACH payments is 10:30 PM EST.
Next-day ACH payments sent after 10:30PM EST will take an additional business day to process.
Initiating a Bill Payment through your account's ACH Payment Flow
You can take advantage of Relay's Bill Pay feature directly from your account's Send an ACH Payment window! To upload, pay a bill via ACH, and migrate a bill directly into the Bill Pay section of your account, simply follow the below steps:
- Sign in to your Relay account.
- Click on Payments and select your desired payment method.
- Upload the bill file (PDF, image, or document) under the Have a bill handy? field.
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Relay will auto-extract key information:
- Vendor name
- Invoice number
- Line Items and Amount
- Invoice Date and Due date
- Review or edit the extracted fields and complete the Memo field.
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Optional: Add accounting categorization (available for all plans)
- Line Item Categorization (available in Grow & Scale).
- Click Next Step.
- Review the payment method, payee details, and payment date and select Next Step and Pay.
- Your payment will be initiated and the bill will also migrate into your account's Bills section.
For more information, please see Getting Started with Bill Pay in Relay and Creating and Uploading Bills in Relay.
Payment Security
Keeping your money and data safe is our top priority at Relay. On occasion, when sending payments from your account, you may be prompted to verify that you've authorized the transaction with an SMS code sent to your mobile device as an added layer of security. For more information, please see: Verifying Payments using SMS Verification Codes.