Skip to main content
Your Banking Card can be used at any ATM that accepts Visa.

​
Fees

Standard ATM operator fees may apply when withdrawing cash. These fees are charged to your account at the time of the transaction. If you have an existing Karat Premium subscription, eligible ATM fees are reimbursed. International ATM withdrawals may also be subject to foreign transaction or currency conversion fees.

​
PIN access

Your PIN is automatically generated and available in your dashboard. To view your PIN, go to Banking > Cards. For security reasons, your PIN cannot be changed manually.

​
Withdrawal limits

ATM withdrawals are subject to daily limits set on your card. You can view or adjust your card limits from: Settings > Banking > Banking limits. Daily limits reset at 12AM CT. If your withdrawal is declined, check your available account balance, confirm the card is active (not frozen), and review your daily withdrawal limit. If you need a higher limit, contact us to request a review. Karat is a fintech company, not an FDIC-insured bank. Banking and Card services provided by Grasshopper Bank, N.A., First Internet Bank of Indiana, and Cross River Bank, Members FDIC.