Checking Accounts

Checking Accounts

Sometimes a one-size-fits-all approach doesn’t fit your unique needs. That’s why, when it comes to personal checking, we love the term “options.” And you’ll discover a comprehensive suite of them when you sit down with one of our experienced bankers who’ll explain the ins and outs of each one. From our basic Value Checking to our premier Vertical Rewards Checking, you’ll discover the right option with all the right features to fit your banking needs.

Vertical Rewards Plus Checking

Take your banking to the next level. 

Getting the most out of your money takes smart solutions — like a BankUnited Vertical Rewards Plus Checking account. In addition to a full range of checking account benefits, you may also qualify to earn monthly interest rewards of up to 1.50% APY*.

Click here to learn more about our Vertical Rewards Plus Checking Account.

Relationship Checking

Preferred checking with all the bells and whistles.

Searching for a competitive rate shouldn’t require endless shopping around. As one of our most valued customers, you’ll qualify for it instantly, when you open a BankUnited Relationship Checking account. You’ll combine all of the smart features of our regular checking account and enjoy exclusive benefits such as better rates on certificates of deposit. Plus, you can earn a higher interest rate by keeping a higher balance in your account. That’s a win-win relationship you can bank on.

  • Minimum deposit to open this account is $100.00
  • Free first order of standard checks (shipping rates will apply)
  • Free paper statements
  • Free ATM transactions at all BankUnited and Presto!® (Publix) ATM locations
  • Non-BankUnited ATM transactions (5 free, $2.50/transaction in excess of 5)1
  • Free standard size safe deposit box (subject to availability)
  • Monthly maintenance fee of $20.002
  • An ID Restoration Service is offered at no charge in partnership with Deluxe Provent

All BankUnited checking accounts include:

  • Free BankUnited VISA® Debit Card/ATM Card
  • Free Online Banking & Bill Pay featuring FinanceWorks™
  • Free Mobile and Text Banking
  • Free eStatements through BankUnited Online Banking

1 A $2.50 per transaction fee will be charged for each non-proprietary ATM transaction over five (5) during each statement cycle. Fees from non-proprietary ATMs may also apply.

2 To avoid the imposition of a monthly maintenance fee you must maintain any one of the following during each statement cycle: (i) a minimum daily balance of $5,000.00 or more in the Account; (ii) a minimum daily balance of $15,000.00 or more in your linked BankUnited consumer deposit accounts; (iii) an outstanding balance of $15,000.00 or more in a BankUnited consumer loan or loans; or (iv) an outstanding balance of $60,000.00 or more in a BankUnited residential mortgage.

A $15.00 early closeout fee will be assessed if your Relationship Checking account is closed within 180 days of the account opening date.

Please see our Depositor's Agreement Terms and Conditions and Funds Availability Disclosure for additional information.

Value Checking

Get back to basics with a simplified checking solution.

Let’s face it. Not all financial needs require a complex strategy to achieve them. Just like when you want a simple, no-frills way to pay bills. Talk to us about opening a BankUnited Value Checking account. It’s an easy, worry-free checking account to help you manage your money, plus you’ll get free monthly eStatements.

  • Open this account with a low minimum deposit of $50.00
  • Monthly maintenance fee is $7.001
  • Free ATM transactions at all BankUnited and Presto!® (Publix) ATM locations
  • Non-BankUnited ATM transactions (5 free, $2.50/transaction in excess of 5)2
  • Free eStatements with Online Banking

All BankUnited checking accounts include:

  • Free BankUnited VISA® Debit Card/ATM Card
  • Free Online Banking & Bill Pay featuring FinanceWorks™
  • Free Mobile and Text Banking

1 To avoid the imposition of a monthly maintenance fee, during each statement cycle, you must either (i) maintain an average monthly balance of $500.00 or more in the Account; (ii) receive one (1) or more deposits via ACH totaling $500.00 or more on the Account; or (iii) have ten (10) or more BankUnited debit card transactions posted to the Account.

2A $2.50 per transaction fee will be charged for each non-proprietary ATM transaction over five (5) during each statement cycle. Fees from non-proprietary ATMs may also apply.

A $15.00 early closeout fee will be assessed if your Value Checking account is closed within 180 days of the account opening date.

Please see our Depositor's Agreement Terms and Conditions and Funds Availability Disclosure for additional information.

Health Savings Account

A prescription for the unexpected.

Sometimes health coverage doesn’t cover all of your medical expenses. A BankUnited Health Saving Account (HSA) is a smart way to take the pain out of out-of-pocket expenses such as office visits, vision and dental care and other services not covered by health plans with high deductibles. Talk to us today. It’s a feel good solution to help you control healthcare costs now and in your future.

With a BankUnited HSA, you’ll enjoy the following benefits:

  • Control how much you put into the account and whether to save for future expenses or pay current medical expenses (up to HSA contribution limits). Click Here to see current HSA contribution limits
  • Use the funds in your account to pay for current or future qualified medical expenses—including those your insurance may not cover
    • Health insurance or medical expenses if unemployed
    • Medical expenses after retirement (before Medicare)
    • Out-of-pocket expenses when covered by Medicare
    • Long-term care expenses and insurance
  • Funds remain in the account from year to year, there are no "use it or lose it" rules
  • Accounts are completely portable, so you can keep your HSA even if you change jobs, change your medical coverage, or become unemployed
  • Save for future medical expenses and grow your funds through investment earnings
  • You may even be able to lower your premium with health insurance coverage that has a higher deductible and less out-of-pocket per month
  • An HSA may provide you with tax savings:
    • Tax deductions when you contribute to your account
    • Any interest that you earn is tax exempt
    • Tax-free withdrawals for qualified medical expenses

All BankUnited checking accounts include:

  • Free BankUnited VISA® Debit Card/ATM Card
  • Free Online Banking & Bill Pay featuring FinanceWorks™
  • Free Mobile and Text Banking
  • Free eStatements through BankUnited Online Banking

HSA Frequently Asked Questions

*There is a minimum deposit requirement of $50.00 to open the account. A $3.00 monthly fee will be charged if a $300.00 minimum daily balance is not maintained and a one-time $25.00 set-up fee. A $15.00 early closeout fee will be assessed if your Health Savings Account is closed within 180 days of the account opening date. In addition, tax penalties may apply. Please consult your tax advisor for more information. Account fees could reduce earnings.

**Distributions used for non-qualified medical expenses will be taxable.

***BankUnited does not offer legal, tax or accounting advice. Please consult your tax advisor for questions concerning your personal situation.

Please see our Depositor's Agreement Terms and Conditions and Funds Availability Disclosure for additional information.