## Documentation Index

Fetch the complete documentation index at: [/llms.txt](https://help.trykarat.com/llms.txt)

Use this file to discover all available pages before exploring further.

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Karat Banking is designed to be simple and transparent. We do not charge hidden fees, and we do not allow overdrafts. Transfers or purchases that would result in a negative balance are automatically declined. Because overdrafts are not permitted, we do not charge overdraft fees.

## Deposits

We do not charge fees for making deposits. Transaction limits may apply depending on the type and frequency of transfers.

## Withdrawals & transfers

Fees may apply depending on the transfer method and your account tier.

- **Domestic outbound wire**: $20 per wire (waived for Karat Premium)  
- **International outbound wire**: $40 per wire

## Karat Premium

Karat Premium is $20/month per organization. This fee is automatically waived for any month where your average daily balance across your checking and ATP accounts is $35,000 or more. Premium members receive additional benefits, including higher APY and free domestic outbound wires.

## International transaction fee

A 1% transaction fee applies to any ATM or point-of-sale (POS) transaction conducted outside the U.S. or online transactions conducted with a merchant outside the U.S. _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._