Banking for talent managers and agencies
Pay every creator on your roster quickly, easily, and compliantly straight from your banking dashboard while getting the best rewards on corporate cards and business banking.
Banking tools and services to power your business
High yield checking
Earn up to [premium_atp_rate]% APY on completely liquid cash balances
Mass payments
Move money with free 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 tax season while earning higher APY
Automated bookkeeping
AI-powered categorized transactions for tax-ready reports
Effortless invoicing
Create, send, and manage branded invoices from your bank account
Seamless bulk payments
Karat Bulk Payments lets you pay multiple people at once by simply uploading a CSV file. You can track every payment in real time, and returning recipients get paid automatically using their saved payment method — no repeated onboarding. It's available to Admins and Managers right from your Karat dashboard.
Better business banking
Get set up in 5 minutes with a business checking account with millions in FDIC insurance, free ACH transfers, and wire payments ready to go from day one. You'll also 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 [standard_checking_rate]% APY at other banks. Rate as of [rate_effective_date]. See Business Deposit Account Agreement Disclosure for details.
Business credit cards that earn for your business
The Karat Card is a Visa® Business Credit Card with no annual fee and no foreign transaction fees that arrives custom engraved in stainless steel with your agency's logo.
Choose between the Karat Credit Card and the Karat Max Card to get up to 3x the rewards on everything. Easily spin up new virtual and physical cards to manage and track spend across your team.
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How MANA Talent Eliminated a Week of Payroll Work — and Finally Took Paternity Leave
A creator-first talent agency replaced 22 manual payment batches, three bank accounts, and $300–500/month in legacy fees with one streamlined Karat account.
All-in-one business banking for the creator economy
Banking, credit, payments and more all available in your Karat dashboard.