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Business checking accounts that work for you

Set up your business checking accounts in 5 mins and get access to tax planning tools with [standard_atp_rate]% APY, invoicing, and more.

Banking tools and services to power your business

Tax planning yield

Earn [standard_atp_rate]% APY on your Automated Tax Planning balance

Easy payments

Move money with ACH, wires, tax-compliant bulk payments

Team management

Set different limits and permissions for your team and accountants

Extended coverage

Millions of dollars in FDIC insurance on your balances

Business Visa® cards

Physical and virtual cards for you and your team's expenses

Banking card cash back

Earn 1% cash back on every Karat Banking Card purchase

Effortless invoicing

Create, send, and manage branded invoices from your bank account

Businesses love Karat

Top growing businesses use Karat banking to manage their finances and grow faster.

$1-10M revenue figure business consultancy

Loop Labs by Jason Russak

It was so easy to get set up with Karat banking. I feel like this was built for me. I can see my P&L everyday to save money and their concierge helped me grow my business.

8 figure revenue custom gaming PCs company

Starforge Systems

We've used Karat for our 8 figure gaming PC business for the past year. It's easy to use and we can call our banker if we have a question.

Graham Stephan, Karat member

Top real estate investor

Graham Stephan

Karat provided higher spending limits when vendors delayed paying us.

•eCommerce dog accessories brand

Fuzzboy Originals, Lauren Riihimaki

I use Karat and it's a breeze - super easy to use and great customer service.

Alexandra Botez, Karat member

7 figure revenue media business

Alex Botez

Since Karat has up to $100M in FDIC insurance, I know my money is safe. It's so easy to set up and I just call if I need any help.

Jane Ko, Karat member

7 figure revenue food blogger 

Jane Ko

When I raised $150k for the Austin Winter Storm, I couldn't access the funds for 2 weeks. I texted Karat who raised my limit to $150k in minutes.

Better business banking

Big banks don’t treat you right, we’re here to fix that:

Get set up in as little as 5 minutes
Unlock free ACH and domestic wires*
Access multi-million-dollar FDIC insurance on your deposits so you can rest easy

*See Grasshopper Bank Deposit Account Agreement Disclosures and First Internet Bank of Indiana Bank Account Agreement for more details

Let your money make you money

Earn [standard_atp_rate]% APY on your Automated Tax Planning balance.*

*APY applies to Automated Tax Planning account balances. Rate as of [rate_effective_date]. See Grasshopper Bank Deposit Account Agreement Disclosures and First Internet Bank of Indiana Bank Account Agreement for more details.

Get paid faster than ever

Create and send professional invoices, track and manage your payments — all from your Karat dashboard.

End tax season scaries

Karat Business Banking can set aside money each month to save up for tax payments.

You'll earn [standard_atp_rate]% APY on that money.

*Karat is not responsible or liable for accurately calculating how much your business should be saving for taxes. Please consult a tax professional.

Pricing

One plan. Everything included.

Every Karat account comes with the same banking, card and payment tools. No tiers, no monthly fee.

  • Business checking accounts*Included
  • APY on checking[standard_checking_rate]%
  • APY on Automated Tax Planning (ATP) balance[standard_atp_rate]%
  • Banking Card cash back1% on all spend
  • Charge Card rewards1x points on all spend
  • ACH & incoming wiresFree
  • Outgoing domestic wires$20
  • Monthly fee$0

*Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank, N.A. and First Internet Bank of Indiana, Members FDIC, pursuant to separate licenses from Visa U.S.A. Inc.

All-in-one business banking for growing businesses

A single product for everything you want to accomplish with your money.

Karat is a financial technology company, not a bank. Banking services and the Karat Visa® Business Banking Card are provided by Grasshopper Bank, N.A. and First Internet Bank of Indiana, Members FDIC, pursuant to separate licenses from Visa U.S.A. Inc.