## It's Here.

Karat Business Banking is here. After $1.5B in creator credit, we’ve built the complete banking solution for creators.

#### From Credit Cards to Complete Banking

This isn’t our first rodeo in creator finance.

Over the past six years, we’ve issued over $1.5 billion in credit through our Business Credit Card, solving real problems for creators like:

- William Osman (3M+ YouTube subscribers) who couldn’t get six figures in credit for his Open Sauce convention.

_We helped him get the funding he needed._
- Multi-million dollar creator businesses who had $100 purchases declined at department stores.

_‍_

_We approved their transactions._

#### **But this work revealed a bigger problem.**

As our co-founder Eric Wei told [_TechCrunch_](https://techcrunch.com/2025/05/28/karat-financial-is-bringing-business-banking-to-creators/):

Six years in, the problem we’re solving is still the same. **Creators are real businesses, and banks don’t understand them.**

#### The Problem We’re Solving Now

There’s no need for creators to:

- Have accounts frozen because of ‘suspicious’ large deposits from brand deals
- Be denied banking because banks don’t understand creator income
- Get terrible customer service when they try to explain their business model

As our co-founders Will and Eric put it:

> Building great creator banking requires unusually specific expertise in two very different domains—you have to deeply understand content creators and fintech simultaneously.

#### Better Banking for Creators

We built what other banks couldn’t.

Here’s what makes Karat Banking different:

#### Two Tiers to Fit Your Business

#### 1️⃣ Karat Standard Banking (Free Forever)

- FDIC-insured business checking account
- Automated tax planning
- Up to 1.00% APY on checking accounts
- Creator-focused customer support that understands your business model
- No monthly fees, no minimums

#### 2️⃣ Karat Premium Banking ($20/month - waived with $35k minimum balance)

- Everything in Standard, plus:
- 2.00-3.00% APY on checking accounts
- Free wire transfers
- Enhanced customer support
- AI bookkeeping (coming soon)
- Advanced analytics and forecasting

**Why checking accounts with high APY?** As Eric explains: We know creators actually keep a lot of money in their checking account because the industry is so unstable, so we pay meaningful APY on checking, which most banks actually don’t do.”

_Why not earn interest on the money that sits in your account?_

#### Creator-Specific Features Built from Experience

**• Automated tax-planning:** Set aside the right percentage for quarterly taxes based on creator income patterns.

**• Platform integration:** Connect your revenue streams for automatic categorization.

**• Expense tracking:** Built-in tools for tracking deductible business expenses, including creator-specific categories.

**• Real-time analytics:** Understand your cash flow patterns and seasonal trends.

#### Exclusive Benefits and Bonuses

Banking with Karat unlocks exclusive discounts with creator-focused companies:

**• Epidemic Sound:** Music licensing for your content

**• ManyChat:** DM automation software to increase conversions

**• ViewStats:** Advanced YouTube analytics

**• Othership**: Immersive wellness and productivity services

#### Backed by the Best

We didn’t build this alone. Karat Banking is backed by some of the biggest names in business and technology:

**• Steve Chen** (Co-founder, YouTube)

**• Kevin Lin** (Co-founder, Twitch)

**• Biz Stone** (Co-founder, Twitter)

**• Charlie Chang** (Entrepreneur and YouTuber, 1.3M+ subscribers)

**• Nick DiGiovanni** (Entrepreneur and Creator, 30M+ followers)

#### Get Your $100 Early User Bonus💰

As a newsletter subscriber, you’re getting first access to Karat Banking. Here’s how to claim your early user bonus:

1. Comment BANKING on our [_latest Instagram post_](https://www.instagram.com/p/DKNU231hDtr/?img_index=1) or send us a DM.
2. Complete your application (takes about 5 minutes).
3. Make your first deposit and keep $10,000 in your account for 90 days.
4. Receive your $100 bonus!

#### Quick Links

🎥 [_Viral hooks_](https://www.instagram.com/p/DKNIAKwO_bl/) to try in your content.

📧 Email [_template_](https://www.linkedin.com/feed/update/urn:li:activity:7322960376273272834?updateEntityUrn=urn%3Ali%3Afs_updateV2%3A%28urn%3Ali%3Aactivity%3A7322960376273272834%2CFEED_DETAIL%2CEMPTY%2CDEFAULT%2Cfalse%29) for pitching brands.

👩‍💻 How to use AI to [_make better content_](https://www.tiktok.com/@happywithmeg/video/7490737658637946154?lang=en&q=how+to+use+ai+as+a+content+creator&t=1748623548640).

#### This Week in Creator Studio

This Thursday at 1 PM PST in Creator Studio (our free Discord community) we’re interviewing [Estefannie](https://www.youtube.com/@Estefannie/videos)!

[Join These Calls LIVE and Connect with Other Creators](https://studio.trykarat.com/)