Sending a domestic wire

With your Relay checking account¹, you can send domestic wire payments 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.

For instructions on how to receive a domestic wire into your Relay account, please see Receiving a domestic wire.

Before you start

If you have not yet created a payee for the domestic wire you are sending, please see Adding and archiving a payee for instructions on how to do so.

Your payee's recipient address must be a valid physical address and cannot be a PO Box.

How to send a domestic wire

*Please note: To avoid processing delays or returned wires, ensure the beneficiary address provided in your wire transfer exactly matches the address on file with the beneficiary's institution. We strongly recommend verifying these details directly with the wire beneficiary before submitting the transfer.

Limits, processing timeline, and fees

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

The recipient will receive your payment within 1 business day.

Please note: domestic wires are sent in batches every hour, on the hour, from 9am-5pm EST, with a final batch submitted at 5:40 pm EST. Any domestic wires sent after 5:40pm EST will be received the following business day before the close of business.
There is a fee for sending a domestic wire from Relay, dependent on your Relay subscription plan:

• Starter - $8
• Grow - $5
• Scale - $5

Learn more: Overview of Relay Subscription Plans

Initiating a Bill Payment through your account's Domestic Wire Payment Flow

You can take advantage of Relay's Bill Pay feature directly from your account's Send a Wire payment window! To upload, pay a bill via Domestic Wire, and migrate a bill directly into the Bill Pay section of your account, simply follow the below steps:

1. Sign in to your Relay account.
2. Click on Payments and select your desired payment method.
3. Upload the bill file (PDF, image, or document). under the Have a bill handy? field.
4. Relay will auto-extract key information:
   1. Vendor name
   2. Invoice number
   3. Line Items and Amount
   4. Invoice Date and Due date
5. Review or edit the extracted fields and complete the Memo field.
6. Optional: Add accounting categorization (available for all plans)
   • Line Item Categorization (available in Grow & Scale).
7. Click Next Step.
8. Verify again the payment method, payee details, and payment date and select Next Step and Pay.
9. 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.

Please note: The payment threshold that prompts 2FA SMS codes will soon be customizable for our customers.

¹ You can only send domestic wire 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.

² When writing your payment memo, please provide a detailed business reason for payment. Memos that lack detail could be returned if the receiving institution deems them not compliant with regulatory obligations. We recommend adding information regarding what type of service was provided and any other specific indicators, along with the invoice number (if available).