We support four main user roles with varying access levels across Banking and Card.
Admin – Full access to all products and settings.
Manager – Broad access including transaction approval.
Employee – Limited to their own activity, with transaction limits and approval workflows.
Accountant – Read-only access to financial data for bookkeeping and reporting purposes.
To check out specific access and permission for each role, navigate here: What specific Banking 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 9/09/25 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.