North One vs Relay
North One is a good business banking features and tools with no monthly fees. How does it compare to Relay? Read our comparison chart below.
North One offers business banking with built-in financial tools. You get unlimited sub-accounts, a bill pay feature, and app integrations.
While Relay lets you open up to 20 individual business checking accounts and 50 debit cards at no extra charge. There's also free cash deposits and free mailed checks through the app. There's no monthly fee.
Compare North One with Relay, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
 |  | |
| Visit Site | Visit Site | |
North One | Relay | |
|---|---|---|
North One Free Business Banking - | No-Fee Business Checking - | |
Benefits and Features | ||
| Savings | No savings account, but you can create unlimited envelopes for savings goals | Earn up to 3% APY: Earn 1% APY on savings balances of less than $50,000, 1.5% APY on savings between $50,000 and $250,000, 2% APY on savings balances between $250,000 and $1,000,000 and 3% APY on savings balances of more than $1,000,000. |
| Checking | $0 monthly fee; no balance requirements | Up to 20 individual business checking accounts; no monthly fees; no overdraft fees |
| Monthly Fee | ||
| APY | ||
| Minimum Deposit to Open | ||
| ACH Transfer Fee | ||
| ATMs | ||
| Balance Requirement | ||
| Cash Deposit Fee | up to $4.95; 1 refund/month (Standard members); 3 refunds/month (Plus members) | $0 for cash deposits at Allpoint ATMs |
| Customer Service | Phone, email, and live chat: Monday - Sunday, 8 am - 10 pm EST. | Phone: Monday - Friday, 9 am - 5 pm ET; Email: Everyday |
| Incoming Wire Transfer Fee | ||
| Locations | ||
| Out of Network ATM Fee | ||
| Outgoing Wire Transfer Fee | $5 for domestic; $10 for international | |
| Overdraft Fee | ||
CreditDonkey® Reviews | ||
| | |
| Checking |   | |
| Fees | | |
| Mobile App | |  |
| Customer Service | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Good business banking features and tools with no monthly fees... | One of the best online business banking accounts for large teams... |
| Visit Site | Visit Site | |
North One: Information sourced from the published website as of 03/05/2024. | ||
North One Free Business Banking
- Business banking for teams
- Automatic invoice ingestion and payments
- Sales and revenue analytics
- Unlimited account envelopes
- Close to 100 integrations
- Over $5000 in perks for new customers
- No monthly fees, no application fees, no minimum balance
North One is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.
North One Plus Business Banking
- Priority email/chat support
- Dedicated relationship manager
- Implementation and onboarding assistant
- $0 same-day ACH payments, bill payments, and physical checks
- Lowest transaction fees
- $50 minimum opening deposit
- $20 monthly fee
North One Free Business Banking
- Unlimited envelopes for all your business budgets
- Integrations with popular accounting and payment processing apps
- Automate your bill payments
- $50 minimum opening deposit
No-Fee Business Checking
- $0 monthly service fee
- $0 minimum opening deposit
- Open up to 20 individual business checking accounts
- Earn up to 3% APY with automated savings
- Issue up to 50 Visa® debit cards to your team
Which is Better: North One or Relay?
Still need help deciding which business card is better? Read the in-depth reviews below. You may also be interested in comparing North One or Novo.
In short: North One's customer service is outstanding. Relay's checking and fees are excellent.
Articles on North One
NorthOne Review
North One is a banking platform for small businesses. But is it right for you? Find out the unique features it offers and how it compares.
Is NorthOne Safe
North One offers convenient online banking for small business owners. But is North One safe and legit? Read on to find out.
Articles on Relay
Relay Financial Review
Relay Financial offers online banking services for businesses. Yes, it is free. But, is it the right platform for you? Find out.
Which Do You Think is Best?
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