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Value Checking Account with 1% Cashback

Turn Everyday Purchases Into Cashback

Turn Everyday Purchases Into Cashback

Earn 1% cashback on eligible Visa Debit Card purchases and recurring payments with a BankUnited Value Checking Account, plus convenient digital banking and easy account access.
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Get More with a Value Checking Account

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Earn 1% Cashback on Eligible Purchases

Use your BankUnited Visa Debit Card for eligible everyday purchases and recurring payments and earn up to $300 cashback annually.1

No Minimum Balance Requirement

Enjoy the flexibility of a checking account with no minimum balance requirement.
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Open an Account with Just $50

Get started with a minimum opening deposit of only $50.
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Simple Rewards and Easy Fee Waiver

Earn cashback automatically on eligible debit card purchases and recurring payments. Plus, we'll waive your monthly maintenance fee when 10 or more debit card purchases or payments post during the statement cycle.2
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Convenient Online and Mobile Banking

Manage your finances anytime with online and mobile banking, mobile deposit, bill pay, account alerts, and Zelle®.

BankUnited Visa Debit Card Included

Enjoy convenient access to your funds and earn cashback rewards on eligible purchases wherever Visa is accepted.

How Cashback Works

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Open a Value Checking Account

Open your account with as little as $50.
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Use Your BankUnited Visa Debit Card

Use your debit card for eligible purchases and recurring payments throughout the month.
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Earn Cashback Automatically

Earn 1% cashback on qualifying debit card purchases and recurring payments each statement cycle, minus returns or reversals.
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Receive Cashback Monthly

Cashback rewards are automatically credited to your account monthly, up to a $25 maximum per month.
Earn Up to $300 Annually

Eligible Purchases That Earn Cashback

With the BankUnited Value Checking Account, you can earn up to $300 annually simply by using your BankUnited Visa Debit Card. BankUnited will credit your account 1% cashback of the total debit card transactions each statement cycle, up to a $25 maximum per month. Merchant purchases as well as recurring payments made using your BankUnited Debit Card are eligible for this cashback.

Eligible purchases may include:
  • Groceries
  • Gas stations
  • Dining purchases
  • Streaming subscriptions
  • Online shopping
  • Recurring monthly payments and more
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What Is a Cashback Checking Account?

Get Rewarded for Everyday Spending

A cashback checking account rewards customers for eligible everyday debit card purchases and recurring payments. Instead of earning points, customers receive cashback directly into their checking account based on qualifying debit card activity.

The BankUnited Value Checking Account combines the convenience of everyday banking with simple cashback rewards, making it easy to earn money back on purchases you already make regularly.

Unlike some rewards programs with rotating categories or complicated redemption systems, this cashback debit card program offers a straightforward way to earn rewards through eligible everyday spending.

Frequently Asked Questions


Find answers to common questions about cashback rewards, eligible purchases, account fees, and opening a BankUnited Value Checking Account.

Is there a minimum balance requirement?

Jun 4, 2026, 14:53 PM
Question : Is there a minimum balance requirement?
No. The BankUnited Value Checking Account does not require a minimum balance.

Open Your Value Checking Account to Start Earning Cashback

Start earning cashback with every eligible debit card purchase and recurring payment. The BankUnited Value Checking Account makes everyday banking more rewarding.
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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.

1 When you use your BankUnited Visa Debit Card to purchase goods or services or you establish recurring payments using your BankUnited debit card, you will receive 1% cashback on the total of these debit card transactions, each statement cycle [minus any credits for merchandise returns or payment reversals], up to a maximum of $25.00 per statement cycle or $300.00 annually. The Cashback amount will appear as a credit on your monthly statement. This program is available only on a Value Checking Account and does not change the monthly maintenance fee waive feature when ten (10) or more BankUnited debit card purchases/payments post to your Account during a statement cycle.


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; or (ii) receive one or more deposits via ACH totaling $500.00 or more; or (iii) have ten (10) or more BankUnited debit card purchases/payments post to your Account.