One-stop-shop banking for SMBs
Built for any business that means business. One account for banking, cards, invoicing, tax planning and more with no minimums or hidden fees.
Banking tools and services to power your business
Tax planning yield
Earn [standard_atp_rate]% APY on your Automated Tax Planning balance
Easy 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 [standard_atp_rate]% APY
Banking card cash back
Earn 1% cash back on every Karat Banking Card purchase
Effortless invoicing
Create, send, and manage branded invoices from your bank account
Business banking to stay organized
Karat Banking gives you a U.S. business checking account with no hidden fees.
You can create multiple checking accounts to organize your income, expense, and operational accounts.
Everything runs through one dashboard, and your funds are FDIC-insured (up to millions of dollars per account) through our banking partner.
A charge card that sees your real potential
Karat looks at your business activity and cashflow when underwriting your credit limit. You don't need a decade of business credit history to get started. You'll get a limit that makes sense and 1x points on every purchase to kickstart your business.
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Let your money make you money
Earn [standard_atp_rate]% APY on your Automated Tax Planning balance.*
*APY applies to Automated Tax Planning account balances. Rate as of [rate_effective_date]. See Business Deposit Account Agreement Disclosure for details.
All-in-one business banking for growing businesses
A single product for everything you want to accomplish with your money.