Banking That Fits Your Life
Choose From One of Our Flexible
Checking Accounts
Access your money when and where you need it. Our checking accounts offer simple and rewarding solutions that make life easier.
minimum opening deposit
- No monthly maintenance fee
- No minimum balance requirement
- VISA® Debit Card
- Bank on the go with online & mobile banking
A simple, low-cost way to make managing your money easier – with no hassle and no frills.
minimum opening deposit
- Earns interest
- $20 monthly maintenance fee - Avoid monthly fee by maintaining $5,000 or more minimum daily balance
- VISA® Debit Card
- Complimentary safe deposit box
Our Relationship Checking Account allows you to earn interest on your checking account balance.
Health Savings Account
An account that gives you flexibility, more savings options, and a debit card
- $50 minimum opening deposit
- No monthly maintenance fee by maintaining $300 minimum daily balance
- VISA® Debit Card
- Bank on the go with online & mobile banking
Bank Better and Faster with Digital Tools
All of our checking accounts come with our powerful online banking tools making it easy to manage your money from anywhere.
Alerts
Customized alerts for added security
Mobile Check Deposit
Deposit checks via your mobile device
eStatements
Enroll in paperless statements
Bill Pay
Pay bills electronically with Online Bill Pay
Zelle®
Use Zelle® to easily send or receive money from friends and family
Money Manager
Track spending & view your financial picture in a single dashboard
Security for Your Peace of Mind
We’re invested in ensuring a secure banking experience.
FDIC Insured
All our accounts are FDIC-insured up to $250,000 per depositor for each account ownership category
Biometric Login
Set up biometrics for online & mobile banking log in for added security
Account Alerts
Account alerts are a convenient way to keep an eye on your account
Multi-factor Authentication
Use multi-factor authentication for an added layer of security
Want More from Your Checking Account?
Explore some of the other ways that we can help turn your goals into reality.
We're Here to Help You
Have a question about our products or services? We’ve got multiple ways you can get in touch with a Client Care Center representative.
Value Checking Account Details
- $25 minimum opening deposit
- BankUnited customers enjoy free ATM transactions at all BankUnited and Allpoint ATM locations2
- No monthly fee
Relationship Checking Account Details
- $100 minimum opening deposit
- BankUnited customers enjoy free ATM transactions at all BankUnited and Allpoint ATM locations2
- Complimentary standard size safe deposit box (subject to availability)
- Free paper statements
- Free first order of standard checks (shipping rates apply)
- $20 monthly fee
Ways to avoid the monthly maintenance fee:
- Maintain a minimum daily balance of $5,000 or more in the account; or
- Maintain a minimum daily balance of $15,000 or more in all eligible linked BankUnited consumer deposit accounts (i.e. savings, money market, or certificate of deposit accounts)
Health Savings Account 4 Details
- 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). See current HSA contribution limits.
- Use the funds in your account to pay for current or future qualified medical expenses1—including those your insurance may not cover, such as:
- 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 3:
- Tax deductions when you contribute to your account
- Any interest that you earn is tax exempt
- Tax-free withdrawals for qualified medical expenses
With a BankUnited HSA:
- Control how much you contribute. See current HSA contribution limits.
- which current or future qualified medical expenses to pay
- 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 if you change jobs, retire, or become unemployed
- Save for future medical expenses and grow your funds through investment earnings
- You may even be able to lower your health insurance premium by switching to a high deductible health insurance plan
HSA may provide you with tax savings 3:
- Tax deductions for contributions
- Any interest that you earn is exempt from income tax
- Tax-free withdrawals for qualified medical expenses
- For a list of qualified medical expenses, please refer to Internal Revenue Service Publication 502 available at www.irs.gov.
- A $2.50 fee will be charged for each transaction performed at a non-proprietary ATM that is not within the Allpoint Network. Fees charged by the ATM owner/operator may also apply.
- Distributions used for non-qualified medical expenses will be taxable and may be subject to penalties. BankUnited does not offer legal, tax or accounting advice. Please consult your tax advisor for questions concerning your personal situation.
- To be eligible for a health savings account, you must be enrolled in a high-deductible health plan that meets IRS guidelines for the annual deductible and out-of-pocket maximum. Additional eligibility requirements and contribution limits apply.
Please refer to our applicable product disclosures, Deposit Account Agreement, Funds Availability Disclosure and Schedule of Fees for additional information.