Last Sunday at church was our last Sunday in Orange County, California. We stood up and announced: we’re pulling the plug, the movers are coming Tuesday, and we’re leaving Wednesday for our new adventure in Utah.

And it made me think about banking.Sometimes we treat our bank accounts like moving out of a house. We delay. We don’t want to deal with it. We avoid the paperwork.

Here’s the truth: I actually opened my Relay account over a year ago. I loved it right away—no minimum balances, multiple accounts, Profit First allocations at the click of a button. But I wasn’t ready to “move out” of Chase completely.

So I lived in two houses for a while—Relay for clarity, Chase for habit.

Two weeks ago, I finally pulled the plug. I shut down my Chase accounts for good, worked with my finance team to download all the old statements, and walked away. And let me tell you… it feels so good not to deal with minimum balances, fees, or restrictions anymore.

Now I’m 100% on Relay. And if you’ve been putting it off like I did, here’s the best part:

• Opening an account takes under 5 minutes (not the 1+ hour Chase ordeal)
  
• No minimum balances, ever
  
• Up to 20 free accounts so you can run Profit First-style allocations
  
• Automatic distributions weekly, daily, or monthly

And you don’t have to move everything at once. Start small, just like I did—open one account, put in $50, and get a feel for it.

At some point, though, you’ve got to move. And just like my movers are showing up Tuesday, you’ll be glad when you finally make the switch.