Two-factor authentication (2FA) is used to add an additional layer of security to protect your financial information. It also allows you to control access to third-party apps like Plaid so they can be securely connected to Relay. Relay requires 2FA to be configured for all users, and this cannot be turned off.

Configuring SMS 2FA during registration

When registering for a Relay account, you will be asked to verify your mobile phone number to complete the 2FA setup. If you choose to edit your mobile phone number at this step, you will need to verify your new phone number via email.

After you have verified that the phone number we have on file for you is correct and active, you will be sent an SMS with a 6-digit verification code. Enter the code on Relay and you will be able to continue. You may choose to remember the device for 30 days if don't wish to be prompted for 2FA codes every single time you log in to Relay.

Once this is completed, you will receive a confirmation of verification. You're all set!

Can I enable 2FA using an authenticator app instead of SMS?

You absolutely can! To get this set up, you'll just need to call our Customer Experience team so we can verify your identity and ensure we're making this change for the right person.

Can I use a non-US phone number to verify my identity?

Yes, you will be able to use a non-U.S. number for 2FA.

I have multiple logins for different businesses, and my phone number is attached to each. Will I be able to use the same phone number for each?

Yes, a unique phone number is not required for SMS 2FA verification.

I have a new phone number. How can I update it within Relay?

To update your mobile phone number on Relay, please follow the steps outlined here. If you cannot access your account due to your phone number changing, you'll just need to call our Customer Experience team so we can verify your identity and assist with updating your phone number.

I'm not receiving the SMS codes. What do I do?

If you're not receiving your SMS verification codes, and the phone number we have on file for you is correct, please call our Customer Experience team so we can verify your identity and assist further.

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