Check out the table below for a detailed breakdown of the permissions assigned to each role for Banking users:
Permission | Admin | Manager | Employee | Accountant |
View account balances | ✅ All | ✅ All | ✅ | ✅ All |
View transactions | ✅ All | ✅ All | ✅ Own only | ✅ All |
Initiate money movement | ✅ | ✅ (no limit) | ✅ (Within set limit, or with approval) | ❌ Can view & copy ACH details |
View business information | ✅ | ✅ | ❌ | ❌ |
Edit business information | ✅ | ❌ | ❌ | ❌ |
Bookkeeping & reporting | ✅ | ✅ | ❌ | ✅ |
Manage team members | ✅ | ❌ | ❌ | ❌ |
Banking cards | ✅ | ✅ | Only their own | ❌ |
Access ATP tools | ✅ | ✅ | ❌ | ✅ |
Access perks | ✅ | ✅ | ✅ | ✅ |
Karat Premium | Full access (opt-in, cancel, etc.) | Full access (opt-in, cancel, etc.) | ❌ | ❌ |
For Card roles and permissions, you can navigate here: What specific Card access and permission does each role have?
Karat is a financial technology company and not a bank. Banking services provided by Grasshopper Bank, N.A., member FDIC.
Karat perks including offering APY rewards on deposits are offered by Karat. The advertised rates are effective as of 10/10/25 and are subject to change. See Deposit Account Agreement Disclosures (trykarat.com/deposit-account-agreement-disclosures) and Karat Premium Terms of Service (trykarat.com/karat-premium-terms-of-service) for details.