Business checking accounts that work for you
Set up your business checking accounts in 5 mins and get access to high APY, tax planning tools, invoicing, and more.
Banking tools and services to power your business
High yield checking
Earn up to 2.75% APY on completely liquid cash balances
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
Tax planning accounts
Automatically set-aside money for taxes while earning higher APY
AI bookkeeping
AI-powered categorized transactions for tax-ready reports
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
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.
Top real estate investor
Graham Stephan
Karat provided higher spending limits when vendors delayed paying us.
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.
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.
8 figure revenue custom gaming PCs company
Starforge Systems
I've used Karat for my $XM/yr gaming PC business for the last year. It's easy to use and I can just call my banker if I have a question
Better business banking
Big banks don’t treat you right, we’re here to fix that:
*See Business Deposit Account Agreement Disclosure for details.
Let your money make you money
Earn up to [premium_checking_rate]% 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 February 5, 2026. See Business Deposit Account Agreement Disclosure for details.
Your bookkeeping on autopilot
Stop sorting spreadsheets — we’ve got it covered.
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.
As a Karat premium member, you’ll even earn up to [premium_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
Standard
Karat Premium
Business Checking Accounts*
Exclusive VIP Invitations to Events
Savings & Perks
APY Yield on Checking
[standard_checking_rate]%
[premium_checking_rate]%
APY Yield on Tax Savings Account
[standard_atp_rate]%
[premium_atp_rate]%
ACH & Incoming Wires
Free
Free
Outgoing Domestic Wires
$20
Free
AI Bookkeeping
X
Free
$20 /mo
*Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank, N.A., Member FDIC.
All-in-one business banking for growing businesses
A single product for everything you want to accomplish with your money.