User roles and permissions - Karat Help Desk

Banking user roles & permissions

Each role has different access levels within Banking. See the breakdown below.

Permission	Admin	Manager	Employee	Accountant
Apply for Banking	✅	❌	❌	❌
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.)	❌	❌

Card user roles & permissions

Each role has different access levels within Card. See the breakdown below.

Permission	Admin	Manager	Employee	Accountant
Apply for Credit Card	✅	❌	❌	❌
View card balances	✅ All	✅ All	✅ Own only	✅ All
View transactions	✅ All	✅ All	✅ Own only	✅ All
Initiate payments	✅	✅	❌	❌
Modify autopay account	✅	✅	❌	❌
View business information	✅	❌	❌	✅
Edit business information	✅	❌	❌	❌
Bookkeeping & reporting	✅	✅	❌	✅
Manage team members	✅	❌	❌	❌
Manage credit cards	✅	✅	✅ Own only	❌
Redeem rewards	✅	✅	❌	❌
Access perks	✅	✅	✅	✅

_{Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank, N.A., Member FDIC. The Karat Visa® Business Credit Card is issued by Cross River Bank, Member FDIC, and pursuant to a license from Visa️ USA.}