| 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.) | ❌ | ❌ |