Flexible checking accounts for your life's journey

Value Checking Account Details

• $50 minimum opening deposit
• BankUnited customers enjoy free ATM transactions at all BankUnited and Allpoint ATM locations. 3
• $7 monthly fee

Ways to avoid the monthly maintenance fee:

• Maintain an average monthly balance of $500 or more in the account; or 
• Have one or more ACH deposits totaling $500 or more credited to your account each statement cycle; or
• Make ten (10) or more transactions using your BankUnited debit card each statement cycle

Relationship Checking Account Details

• $100 minimum opening deposit
• BankUnited customers enjoy free ATM transactions at all BankUnited and Allpoint ATM locations 3
• Complimentary standard size safe deposit box (subject to availability)
• 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 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 expenses—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: 4
  • 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: 4

• Tax deductions for contributions
• Any interest that you earn is exempt from income tax
• Tax-free withdrawals for qualified medical expenses

¹ Interest rate is variable and may change at any time.

² A Vertical Rewards Premier Checking Account (the “Account”) is a variable interest rate account. During the first 3 statement cycles following account opening (the “Introductory Period”), the annual percentage yield (“APY”) for daily collected balances, up to and including $250,000, may be a maximum of 3.00% APY, provided that a direct deposit via ACH has posted to the Account each statement cycle. If a direct deposit does not post to the Account during a statement cycle during the Introductory Period, all daily collected balances, up to and including $250,000, will earn the base interest rate of 0.25% APY (“Base Interest Rate”) for that statement cycle, and the Account will still be eligible to earn rewards during the next cycle. All daily collected balances greater than $250,000 are not eligible to, and will not, earn the Base Interest Rate or any interest rate rewards. After the Introductory Period, the APY on daily collected balances, up to and including $250,000, in the Account may range from 0.25% APY to 3.00% APY depending upon (i) a direct deposit via ACH, and (ii) a minimum of seven (7) additional qualifying banking services transactions post to your Account. If the direct deposit and/or the minimum number of Qualifying Services are not met during a statement cycle, all daily collected balances, up to and including $250,000, will earn the Base Interest Rate for that statement cycle. APYs stated herein are accurate as of 2/10/2025. APYs stated herein are established by BankUnited, N.A. (“BankUnited”) in its sole discretion and may change at any time. Balances greater than $250,000 are not eligible to, and will not, earn interest or rewards. Minimum opening deposit is $10,000. Transactions must post and settle to the Account during the applicable statement cycle. Banking services transactions may take one or more business days from the transaction date to post to the Account.

For all BankUnited Checking Accounts:

A $15 early closeout fee will be assessed if the Account is closed within 180 days of the account opening date. Fees may reduce earnings. Additional fees, terms and conditions apply.

Please refer to our applicable product disclosures, Depositor’s Agreement and Consumer Schedule of Fees for additional information.