Karat for Agencies — Creator Banking & Financial Tools for Talent Managers

Banking for talent managers and agencies

Pay every creator on your roster quickly, easily, and compliantly straight from your banking dashboard while getting the best rewards on corporate cards and business banking.

Banking tools and services to power your business

High yield checking

Earn up to 2.75% APY on completely liquid cash balances

Mass 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 higher APY

Automated bookkeeping

AI-powered categorized transactions for tax-ready reports

Effortless invoicing

Create, send, and manage branded invoices from your bank account

Seamless bulk payments

Karat Bulk Payments lets you pay multiple people at once by simply uploading a CSV file. You can track every payment in real time, and returning recipients get paid automatically using their saved payment method — no repeated onboarding. It's available to Admins and Managers right from your Karat dashboard.

Better business banking

Get set up in 5 minutes with a business checking account with millions in FDIC insurance, free ACH transfers, and wire payments ready to go from day one. You'll also earn up to 1.75% APY on your checking balance, more than 10x what you get from other banks.*

*Based on an average publicly available interest rate of 0.00% APY at other banks. Rate as of 12/10/25. See Business Deposit Account Agreement Disclosure for details.

Business credit cards that earn for your business

The Karat Card is a Visa® Business Credit Card with no annual fee and no foreign transaction fees that arrives custom engraved in stainless steel with your agency's logo.

Choose between the Karat Credit Card and the Karat Max Card to get up to 3x the rewards on everything. Easily spin up new virtual and physical cards to manage and track spend across your team.

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How MANA Talent Eliminated a Week of Payroll Work — and Finally Took Paternity Leave

A creator-first talent agency replaced 22 manual payment batches, three bank accounts, and $300–500/month in legacy fees with one streamlined Karat account.

All-in-one business banking for the creator economy

Banking, credit, payments and more all available in your Karat dashboard.