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BankUnited In Florida

Serving Communities Across Florida

 

BankUnited is proud to serve communities across Florida with a network of conveniently located branches and ATMs. Our branches are strategically placed throughout the state to offer personalized financial services to individuals, families, and businesses. Whether you're looking for personal banking solutions, business lending services, or commercial real estate financing, our Florida locations are ready to assist with a wide range of tailored financial solutions.

With branches in major cities like Miami, Orlando, Tampa, and Fort Lauderdale, as well as in smaller communities, we ensure that our clients have easy access to the financial services they need. Additionally, our ATMs are available throughout the state for fast, secure, and convenient access to your accounts.

Explore the map below to find the closest BankUnited branch or ATM in Florida. Each location provides access to full-service banking, including checking and savings accounts, loans, and wealth management services.

Florida Branches & ATMs

BankUnited offers a variety of services across our Florida locations, ensuring that individuals, families, and businesses have easy access to tailored financial solutions. Each branch provides personal banking services, including checking and savings accounts, as well as business lending, mortgages, and commercial real estate financing.

In addition to our branches, BankUnited offers ATMs throughout Florida, giving you convenient access to your accounts anytime, anywhere. Explore the map below to find BankUnited branches and ATMs in Florida, and easily locate the services that best meet your needs.

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Our Services

 

At BankUnited in Florida, we offer a comprehensive range of services to meet the needs of individuals, small businesses, and larger corporations. Explore our top services below to find the solutions that best support your financial goals:
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Checking Accounts

Enjoy flexible checking accounts with easy access to your funds and convenient account management tools. Plus, you can earn rewards and interest on some of our accounts.

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Savings & Money Market Accounts

Reach your financial goals with flexible savings solutions that offer security and help you plan for long-term financial success.

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Small Business Lending

Secure the funding you need to grow your business with customized loans for working capital, equipment purchases, and expansion.

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SBA Lending

Take advantage of government-backed SBA loans to fund key business activities, from growth and expansion to purchasing equipment or managing working capital.

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Business Deposit Services

Whether you’re starting a business, eyeing expansion or steadily perfecting operations, we offer a variety of deposit accounts to support you through it all.

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Corporate Banking

For mid-sized and large businesses, we offer comprehensive products & services including treasury management, commercial real estate financing, and specialized lending solutions backed by industry expertise.

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Account Management

Digital Banking

Bank securely from anywhere, anytime, with our robust mobile app and online banking features, including bill pay, peer-to-peer payments, mobile check deposit, account monitoring, and much more.

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Featured Insights

Get insights on starting and growing your business, managing cash flow, protecting your assets, stories from real clients, and much more.

6 Key Tips to Maximize Your Health Savings Account (HSA)

Mar 17, 2025, 12:41 PM
Title : 6 Key Tips to Maximize Your Health Savings Account (HSA)
Bank united author : FINRA Staff
Featured : No
Display order : 1
Learn how to take the most advantage out of your HSA account!

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Health savings accounts (HSAs) are investment accounts that allow you to set aside pre-tax dollars for qualified medical expenses to pay for outlays not covered by your health insurance plan. By setting aside money pre-tax, your contributions don't count toward your adjusted gross income at the end of the year. But in order to take advantage of HSAs, you'll need to understand how they work and the rules that apply. 

1. To open an HSA, you need to be covered by a high deductible health plan (HDHP). An HSA is a type of tax-advantaged medical savings account, with features that could help you save for medical expenses and give you the option to invest those funds. However, in order to qualify for an HSA, you must participate in a HDHP. In these accounts, you pay more of your medical expenses out of pocket, with insurance coverage applying only after you reach a certain deductible that's set by the IRS annually. You can use the funds that you put aside in your HSA to pay for expenses not covered by your health insurance.

2. If your employer doesn't offer an HSA, you might be able to open one on your own. While many employers offer HSAs, you might still be able to open one even if your employer doesn't, or if you're self-employed. If you choose to set up an HSA on your own, the same tax features apply. There are eligibility limitations, so make sure to check with a tax professional.

3. HSAs are investment accounts. In many ways, HSAs are similar to 401(k)s. If you set up an HSA at work, your money is deducted from your paycheck pre-tax, and you can generally choose among investments such as stocks and mutual funds in which to invest the funds you contribute. Your employer might make contributions into your health savings account, as well. If you set up an HSA on your own, your choices can vary by financial institution. Either way, HSAs usually provide the option to keep some or all of your contributions in cash.

4. Withdrawals from an HSA are never taxed as long as the money is used for qualified medical expenses. The money in an HSA belongs to you, whether you use it for future medical expenses or not. However, if you don't put withdrawals toward medical expenses, you'll be subject to income taxes on that money. In addition, you'll be subject to a 20% penalty on HSA distributions used for non-medical expenses unless you've reached the age of 65 or become disabled.

5. Funds in your HSA don't need to be withdrawn at the end of a plan year. Your dollars can be rolled over year after year--meaning there's no "use it or lose it" constraint. By letting these funds accumulate, they can be saved for large medical expenses, and there are no required minimum distributions. In addition, an HSA is "portable," meaning you can take the account with you if you switch jobs or leave the workforce.

6. They're not the same as FSAs. Flexible spending accounts (FSAs) are employer-sponsored accounts that let you set aside pre-tax dollars for eligible healthcare costs. However, while you control the funds in an HSA, the money in your FSA is held by your employer, and any funds not used by the end of the end of the plan year are generally forfeited.

Before establishing an HSA or making contributions, you might want to seek advice from a tax professional, an investment professional or your human resources department.

Ready to take advantage of an HSA? Open a BankUnited HSA account today and start saving for your healthcare expenses tax-free!  
topic :
  • Small Business
media :
  • Article
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