Vertical Rewards Premier Checking

Get up to 4.00% APY* Today

Take advantage of this flexible checking account and earn rewards up to 4.00% APY* for your everyday banking transactions.

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Are you looking to get interest rewards on your everyday checking account? 


There are many checking accounts to choose from, but very few earn rewards! With BankUnited's Vertical Rewards Premier Checking account, you get the best of both worlds - savings and spending!



Direct deposit plus 7 or more qualifying banking transactions



Direct deposit plus 4 to 6 qualifying banking transactions
Direct deposit plus 1 to 3 qualifying banking transactions
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Set up direct deposit to the account and automatically earn 4.00% APY* for the first 3 months

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After the 3 months, your account will earn the interest rate rewards based on the number of qualifying transactions

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Be on your way to earning rewards for your everyday banking transactions


Qualifying Transactions


  • Additional direct deposits via ACH
  • Automatic debits via ACH
  • Point of sale transactions using a BankUnited VISA® debit card
  • Checks posting to and clearing from your account


Maximize your checking account with Vertical Rewards Premier Checking. 



Checking Account with High Interest Rewards


Low Monthly Maintenance Fee1


Unlimited ATM and Debit Card Transactions


Top-Rated Mobile App


At BankUnited, security is our top priority.




5-star rating from

Bauer Financial


FDIC Insured

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Digital Banking at your Fingertips


Enjoy the convenience of banking on your terms—whenever you want, anytime you want with our innovative and best-in-class mobile banking app.

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Mobile Deposit

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Automate Your Bills



Send Money to Friends & Family

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Account Alerts

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Budgeting & Planning

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Transfer Funds

Download our app today and be on your way to easy banking.



Rated 4.7 out of 5 stars!



Have a question? We're here to help!


*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 4.00% 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 4.00% 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 2/21/2023. 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.

1A $20 monthly maintenance fee will be assessed if the average balance in the Account falls below $10,000 during a statement cycle. 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, Depositors Agreement and Schedule of Fees for additional information. BankUnited reserves the right to cancel or modify this offer at any time without notice. Offer is for new consumer accounts only. Please contact a BankUnited representative for additional details.

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.