If you’re a wellness provider — therapist, acupuncturist, naturopath, studio owner — your work is rooted in care, clarity, and transformation.  Your banking should reflect that same energy.

Here is why I consistently recommend Relay Bank to owners who want structure, clarity, and security in their business banking.

Why Your Bank Is Part of Your Financial Tech Stack

Successful financial management isn’t just about bookkeeping software.

It’s about your entire financial tech stack, including:

• Your accounting platform (Like Xero😉)

• Your payment processor

• Your payroll provider

• And most importantly… your bank

Your bank isn’t just where money sits.
It’s the foundation of your cash flow system.

And if that foundation is messy, everything above it feels unstable.

Why Relay Works So Well for Wellness Service Providers

1️⃣ No Minimum Balances or Hidden Fees

Many traditional banks require minimum balances or charge maintenance fees.

Relay does not require minimum balances to maintain multiple checking accounts — which means you can:

• Keep tax money separate

• Create a profit reserve

• Set aside owner pay

• Build opportunity funds

Without tying up cash just to avoid penalties.

For seasonal or fluctuating wellness income, this flexibility is huge.

2️⃣ Multiple Accounts = Cash Clarity

The biggest mistake I see?

All income and expenses living in one or two operating accounts.

When everything sits in one place, your brain has to constantly calculate:

What’s for taxes?
What’s for payroll?
What’s safe to spend?

That mental math is exhausting. Relay allows you to create multiple checking accounts inside one dashboard — so your Operating expenses, Profit, Payroll, and Tax reserves are clearly separated.

When money is visually separated, you stop asking:

“Can I afford this?”

And start asking:

“Which account does this come from?”

3️⃣ Auto-Transfer Rules

Relay allows you to set percentage-based auto-transfer rules — so your allocation framework flexes naturally as your income goes up and down.

Income hits your account → it automatically distributes based on your preset percentages.

No spreadsheets.  No mental math.

Your system adjusts in real time as revenue fluctuates.

For busy practitioners seeing clients all day, automation isn’t a luxury — it’s essential.

Let’s Talk Security

Relay has invested in security in ways most traditional banks haven’t modernized.

One standout feature is Relay Call Check.

Instead of trusting caller ID (which scammers can spoof), Relay verifies support calls directly inside your app.

When Relay contacts you:

• You receive a push notification confirming it’s them

• You see a verified banner in your dashboard

• The call record is logged in your Security Center

Think about that.

How many banks give you a built-in way to confirm a support call is legitimate?

In a world of phishing attempts and business banking scams, that extra verification layer matters — especially for wellness founders who may not have a full IT department protecting them.

The Hybrid Setup I Recommend

For most wellness businesses, I suggest a hybrid model:

Keep a Traditional Bank (like Chase or Wells Fargo)

Use it for:

• Point-of-sale deposits

• Client payments

• Cash or Check deposits

This is your front-facing bank.

Use Relay as Your Internal Filing System

Transfer funds regularly into Relay.

Then let Relay:

• Segment your cash

• Automate allocations

• Protect your reserves

• Clarify what’s available

It becomes your cash management engine.

Final Thoughts

If you’ve ever looked at your bank balance and thought:

“There’s money here… but I don’t feel stable.”

You need financial structure that supports your business long term.

When you’re ready to upgrade your business banking and build a healthier financial foundation, you can use my referral link here:  👉 [Get Started with Relay]

Your future self — and your nervous system — will thank you.