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Grow your money with up to [premium_checking_rate]% APY on checking.

Unlock up to [premium_atp_rate]% APY with Tax planning.

Get a 3-month free trial of Karat Premium.

Get $100 deposit bonus*.

Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank,N.A, Member FDIC.
*Must maintain an average daily balance of $10,000 for 90 days to qualify for the bonus. APY rate as of [rate_effective_date], subject to change. Please see Deposit Account Aqreement Disclosures, and Karat Premium Terms of Service for details.
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Claim up to a $100 bonus! Terms apply.

Maintain an average daily balance of $10,000 for 90 days to qualify for the bonus. Terms apply.
Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank,N.A, Member FDIC. Please see Deposit Account Aqreement Disclosures , and Karat Premium Terms of Service for details. APY rate as of , subject to change.

Karat banking yield calculator

See how much more you could earn with Karat banking vs traditional banks.

1 yr 10 yr
Total yield
--
Checking 1.75% APY
--
Tax Planning 2.75% APY
--
TRADITIONAL BANKS
Total yield
--
National Average 0.08% APY
--

Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank, N.A., Member FDIC. See Business Deposit Account Agreement Disclosures for details.

Based on an average publicly available interest rate of 0.08% APY at other banks and an advertised rate offered by Karat of up to 2.75%. Rate as of [rate_effective_date], subject to change.

Total yield
--
Checking 1.75% APY
--
Tax Planning 2.75% APY
--
TRADITIONAL BANKS
Total yield
--
National Average 0.08% APY
--

Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank, N.A., Member FDIC. See Business Deposit Account Agreement Disclosures for details.

Based on an average publicly available interest rate of 0.08% APY at other banks and an advertised rate offered by Karat of up to 2.75%. Rate as of [rate_effective_date], subject to change.