Legal

Agreements, terms, and disclosures for the Karat platform and our banking and card products.

Karat Platform

Terms of Use

Privacy Policy

Electronic Communications Agreement

Karat Rewards Program Terms

Karat Premium Program Terms of Service (legacy members)

Grasshopper Bank Account

Grasshopper Bank Deposit Account Agreement

Grasshopper Bank Business Deposit Account Agreement Disclosures

Grasshopper Bank Debit Cardholder Agreement

Grasshopper Bank ICS Deposit Placement Agreement

Funds Availability Schedule

USA PATRIOT Act Disclosure

Grasshopper Bank Authorized User Agreement

Cross River Bank Credit Card

Cross River Bank Card Program Terms

Credit Report Authorization

Cross River Bank Authorized User Agreement

First Internet Bank of Indiana Charge Card

Karat Business Charge Card Agreement

Personal Guaranty

Credit Report Authorization

USA PATRIOT Act Disclosure

First Internet Bank of Indiana Authorized User Agreement

First Internet Bank of Indiana Bank Account

First Internet Bank of Indiana Business Deposit Account Agreement

First Internet Bank of Indiana ICS Deposit Placement Agreement

Funds Availability Schedule

USA PATRIOT Act Disclosure

First Internet Bank of Indiana Authorized User Agreement

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. The Karat Business Charge Card is issued by First Internet Bank of Indiana and Cross River Bank, Members FDIC, pursuant to separate licenses from Visa U.S.A. Inc.