## 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

## Creator businesses love Karat

Content creators, brand deal agencies, and digital entrepreneurs use Karat to power their business operations.

### Testimonials

- **@TooTurntTony**  
  7.2M Subscribers on YouTube  
  "Love the platform is built with creators in mind. Very responsive to new feature requests like invoicing and mobile apps, making the creator back end much easier and all on one platform!"

- **@AprilynneAlter**  
  134K Followers on YouTube  
  "Karat makes it easy to keep track of my business. It integrates so seamlessly with everything I want it to, and I love how much interest I’m earning with just a checking account!"

- **@IsaiahPhoto**  
  10.2M Subscribers on YouTube  
  "I use Karat for two of my businesses and it’s a breeze. Really great APY and concierge support that I never got from a traditional bank."

- **@AlexandraBotez**  
  1.3M Followers on Twitch  
  "Karat is the best business credit card for creators–they approved when other banks rejected me twice."

- **@RealEngineering**  
  4.1M Followers on YouTube  
  "Despite running a top YouTube channel, I couldn't get help from traditional banks. Karat set me up with a real business card."

- **@GrahamStephan**  
  4.5M Subscribers on YouTube  
  "Karat provided higher spending limits when vendors delayed paying us, supporting our coffee line."

- **@ATasteOfKoko**  
  213K Followers on Instagram  
  "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."

## Better business banking

Big banks don’t treat you right, we’re here to fix that:

- Get set up in as little as 5 minutes
- Unlock free ACH and domestic wires
- Access multi-million-dollar FDIC insurance on your deposits so you can rest easy

## Let your money make you money

Earn up to **1.75%** APY on your **checking balance**, more than **10x** what you get from other banks.

## Your bookkeeping on autopilot

Stop sorting spreadsheets — we’ve got it covered.

- We auto-categorize your transactions
- Get monthly insights to your business
- Access your P&L, balance sheet, and cash flow statement from your dashboard

## 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.

## Pricing

| Plan                    | Standard | Karat Premium |
|-------------------------|----------|---------------|
| APY Yield on Checking   | 0.00%    | 1.75%         |
| APY Yield on Tax Savings Account | 0.75%    | 2.75%         |
| ACH & Incoming Wires    | Free     | Free          |
| Outgoing Domestic Wires  | $20      | Free          |
| AI Bookkeeping           | X        | Free          |

*Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank, N.A., Member FDIC.