*Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank, N.A., Member FDIC, with cards pursuant to a license from Visa USA Inc. The FDIC’s deposit insurance only protects against the failure of an FDIC-insured bank.
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Trusted by Wendover Productions, Alex Botez, 3LAU and other creators

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Banking Account

FDIC insured checking and savings

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Make payment with ACH, wire, Karat payment

Free Wires

Transfer money without stress

High Yield Checking

Get up to 2.00% APY on business checking

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Physical and virtual cards

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Set aside money automatically for taxes

top creators love us

Our featured creators are Karat members, investors,
and supporters of the creator community.

graham
4.5M SUBSCRIBERS on youtube
@GrahamStephan

"Karat provided higher spending limits when vendors delayed paying us, supporting our coffee line.”

alexandra botez
1.3M FOLLOWERS ON TWITCH
@AlexandraBotez

“Karat is the best business credit card for creators–they approved when other banks rejected me twice.”

213k FOLLOWERS ON Instagram
@ATasteOfKoko

"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."

nas daily
21m followers on facebook
@NasDaily

“I have over $10M in revenue per year and 100 employees, but traditional banks still don’t trust me. Karat gets it.”

real engeeniring
4.1m followers on youtube
@RealEngineering

“Despite running a top YouTube channel, I couldn't get help from traditional banks. Karat set me up with a real business card.”

creator
1.4M LISTENERS ON SPOTIFY
@3LAU

“Karat has been my go to card for everything business. Compared to others, Karat’s customer service and rewards system are far superior.”

End tax season scaries

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

As a Karat premium member, you’ll even earn up to 3.00% 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.

Let your money make you money

Earn up to 2.00% APY on your checking balance, more than 10x what you get from other banks.*

*Based on an average publicly available interest rate of 0.08% APY at other banks. Rate as of 3/19/25. See Business Deposit Account Agreement Disclosure for details.

Just 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 wires* and ACH

Access multi-million-dollar FDIC insurance on your deposits so you can rest easy

*See Business Deposit Account Agreement Disclosure for details.
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Karat in the wild

Karat Users Made Over:
$2.4 billion
in 2024
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Will Smith
Will_Smith
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Ryan Prunty
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Tierzoo
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Toddy_Smith
3LAU
3LAU
Charlie Chang
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Ask Sebby
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Andy Mc Cune
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Alexandra Botez
Alexandra_Botez
Craig Hung
Craig_Hung
Carter Sharer
Carter_Sharer
Austin Hankwitz
Austin_Hankwitz
Humphrey Yang
Humphrey_Yang
Jack Neel
Jack_Neel
Gibi Asmar
Gibi_Asmar
Enes Yilimazer
Enes_Yilimazer
Graham Stephan
Graham_Stephan
Heath Hussar
Heath_Hussar
Jaeki Cho
Jaeki_Cho
Griffin Johnson
Griffin_Johnson
Jared Leto
Jared_Leto
Lenny Rachitsky
Lenny_Rachitsky
JUSTAMINX
JUSTAMINX
Joey Rogoff
Joey_Rogoff
Jane Ko
Jane_Ko
Ludwig
Ludwig
Lizzy Capri
Lizzy_Capri
Marina Mogilko
Marina_Mogilko
Nick DiGiovanni
Nick_DiGiovanni
Nate O'Brien
Nate_O'Brien
Nebula
Nebula
Parth Detroja
Parth_Detroja
MOISTCR1TIKAL
MOISTCR1TIKAL
Real Engineering
Real_Engineering
Nas Daily
Nas_Daily
Pat Flynn
Pat_Flynn
Will Smith
Will_Smith
Sam Kolder
Sam_Kolder
Wendover Productions
Wendover_Productions
Tejas Hullur
Tejas_Hullur
The Credit Shifu
The_Credit_Shifu
Thomas Frank
Thomas_Frank
Ryan Prunty
Ryan_Prunty
Tierzoo
Tierzoo
Toddy Smith
Toddy_Smith

Pricing

Standard
Premium
Business Checking Accounts*
Creator-specific Calls on Our Discord Community
Savings & Perks
+Many more!
APY Yield on Checking
Up to 1.00%
Up to 3.00%
Exclusive VIP Invitations to Events
ACH
Wires
$20
$0
Free
$20 /mo
FREE with $35k balance
*Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank, N.A., Member FDIC.

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Karat is a financial technology company and not a bank. Banking services and the Karat Business Banking Visa® Card are provided by Grasshopper Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. The FDIC’s deposit insurance only protects against the failure of an FDIC-insured bank.  

The Karat Visa® Business Credit Card is issued by Cross River Bank, Member FDIC, under a separate license from Visa U.S.A. Inc.

See Privacy Policy, Card Program Terms, Cardholder Agreement, Deposit Account Agreement Disclosures, and Karat Premium Terms of Service. Karat Financial is not affiliated with Karat, Inc. at http://www.karat.com

Deposit placement through ICS is subject to the terms, conditions, and disclosures in the applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured  (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi and ICS are registered service marks, and IntraFi Cash Service is a service mark, of IntraFi Network LLC.

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