## Banking user roles & permissions

Each role has different access levels within Banking. See the breakdown below.

| **Permission** | **Admin** | **Manager** | **Employee** | **Accountant** |
| --- | --- | --- | --- | --- |
| Apply for Banking | ✅ | ❌ | ❌ | ❌ |
| View account balances | ✅ All | ✅ All | ✅ | ✅ All |
| View transactions | ✅ All | ✅ All | ✅ Own only | ✅ All |
| Add transaction notes | ✅ All | ✅ All | ✅ Own only | ❌ |
| Initiate money movement | ✅ | ✅ (no limit) | ✅ (Within set limit, or with approval) | ❌ Can view & copy ACH details |
| View ACH details | ✅ | ✅ | ❌ | ✅ |
| View business information | ✅ | ✅ | ❌ | ❌ |
| Edit business information | ✅ | ❌ | ❌ | ❌ |
| Bookkeeping & reporting | ✅ | ✅ | ❌ | ✅ |
| Manage team members | ✅ | ❌ | ❌ | ❌ |
| Banking cards | ✅ Issue & manage all | ✅ | Only their own | ❌ |
| Edit transfer limits | ✅ | ❌ | ❌ | ❌ |
| Statements | ✅ | ✅ | ❌ | ✅ |
| Invoices | ✅ | ✅ | ❌ | ✅ |
| Access ATP tools | ✅ | ✅ | ❌ | ✅ |
| Access perks | ✅ | ✅ | ✅ | ✅ |
| Bank letter | ✅ | ✅ | ❌ | ✅ |
| Karat Premium | Full access (opt-in, cancel, etc.) | Full access (opt-in, cancel, etc.) | ❌ | ❌ |

## Payments user roles & permissions

If your organization uses Karat Payments to send or receive funds, each role has specific access levels. See the breakdown below.

| **Permission** | **Admin** | **Manager** | **Employee** | **Accountant** |
| --- | --- | --- | --- | --- |
| View payer dashboard | ✅ | ✅ | ❌ | ✅ |
| Accept incoming payouts | ✅ | ✅ | ✅ | ❌ |
| Provide tax information | ✅ | ✅ | ❌ | ✅ |
| View tax information | ✅ | ✅ | ❌ | ✅ |
| Manage payees | ✅ | ✅ | ❌ | ❌ |
| Initiate payouts | ✅ | ✅ | ❌ | ❌ |
| View inbound payments | ✅ | ✅ | ❌ | ✅ |
| Update payment method | ✅ | ✅ | ❌ | ❌ |
| Manage API key | ✅ | ✅ | ❌ | ❌ |

## Card user roles & permissions

Each role has different access levels within Card. See the breakdown below.

| **Permission** | **Admin** | **Manager** | **Employee** | **Accountant** |
| --- | --- | --- | --- | --- |
| Apply for Credit Card | ✅ | ❌ | ❌ | ❌ |
| View card balances | ✅ All | ✅ All | ✅ Own only | ✅ All |
| View transactions | ✅ All | ✅ All | ✅ Own only | ✅ All |
| Initiate payments | ✅ | ✅ | ❌ | ❌ |
| Modify autopay account | ✅ | ✅ | ❌ | ❌ |
| View business information | ✅ | ❌ | ❌ | ✅ |
| Edit business information | ✅ | ❌ | ❌ | ❌ |
| Bookkeeping & reporting | ✅ | ✅ | ❌ | ✅ |
| Manage team members | ✅ | ❌ | ❌ | ❌ |
| Manage credit cards | ✅ | ✅ | ✅ Own only | ❌ |
| Redeem rewards | ✅ | ✅ | ❌ | ❌ |
| Access perks | ✅ | ✅ | ✅ | ✅ |

*Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank, N.A., Member FDIC. The Karat Visa® Business Credit Card is issued by Cross River Bank, Member FDIC, and pursuant to a license from Visa️ USA.*