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BankUnited delivers personalized financial solutions that combine flexibility, accessibility, and expert support. From everyday banking to long-term savings strategies, our offerings are built to grow with you. Discover how our personal banking services can help you manage, save, and plan with confidence.
Your Banking Essentials
Checking Accounts That Keep You Moving
Our checking accounts are designed to simplify your financial routine while offering valuable features that go beyond the basics. Whether you prefer a straightforward account or one with added rewards, you'll find options that support your goals. Enjoy
convenient access through online banking and our mobile banking app, along with tools that help you stay on top of your spending. With reliable service and flexible features, managing your money becomes second nature
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Reach More With Savings
High-Yield Savings for Long-Term Growth
Make your money work smarter with savings options that reward you for building your balance. We offer high-yield savings account choices designed to help you grow your funds over time while maintaining access when you need it. Whether you're saving for
short-term goals or building a financial cushion, our accounts provide both security and growth potential. It's a simple way to take your savings further.
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Savings With Staying Power
Certificates of Deposit and Money Market Accounts
Plan for the future with secure savings solutions like CDs and money market accounts. These accounts offer predictable growth and are ideal for long-term financial planning.
- Competitive interest rates
- Flexible term options
- Reliable long-term growth
Banking Built For Convenience
Digital Banking Tools
Take control of your finances wherever you are with our digital tools. From opening an online bank account to managing transactions, everything is designed for ease and security.
- 24/7 account access
- Zelle®
- Secure online banking platform
- Easy bill pay options
Benefits of Checking Accounts
Our checking accounts are built to simplify daily banking while offering flexibility and convenience. Enjoy features that make managing your finances easier at every step.
Send money with Zelle®
Online Bill Pay
Mobile Check Deposit
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Personal Banking Account Options
Personal Banking Expertise That Works for You
We believe personal banking should feel personal. That’s why we focus on building relationships, understanding your goals, and delivering solutions that fit your life. Our experienced team is here to provide guidance, answer questions, and help you navigate everything from everyday banking to long-term planning.
Local Decision Making
Relationship Approach
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Personal Banking FAQs
Find answers to common questions about personal banking services, accounts, and lending options at BankUnited.
Our customer support team and local branch representatives are available to assist you with any questions or banking needs.
We use advanced security measures, including encryption, fraud monitoring, alerts, and multi-factor authentication to help keep your accounts safe.
With mobile deposit, you can quickly and securely deposit checks using your smartphone through our mobile banking app.
Yes, you can access your funds through a network of ATMs, including the AllPoint network of ATMs. Some accounts may offer fee reimbursements for out-of-network ATM usage.
Minimum balance requirements vary by account type. We offer options to suit different financial needs and preferences.
Yes, our digital banking platform allows you to check balances, transfer funds, pay bills, deposit checks, and manage your accounts securely from your computer or mobile device.
You can open an account online or at a local BankUnited branch. Typically, you’ll need a valid government-issued ID, Social Security number, and basic personal information.
We offer a variety of personal checking, savings, and money market accounts designed to fit your everyday banking needs and long-term financial goals.
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.
Featured Insights
Get insights on starting and managing cash flow, protecting your assets, stories from real clients, and much more.
How to Protect Yourself from Mail Fraud
Mar 28, 2024, 13:44 PM
Title :
How to Protect Yourself from Mail Fraud
Bank united author :
eFraud Prevention
Featured :
No
Display order :
Learn what main fraud is and how you can protect yourself.
When we think of fraud, we usually use cybersecurity to protect ourselves online. While cybersecurity is an important topic, fraudsters still intercept the “traditional” communication methods.
Mail fraud is any scheme that aims to trick you out of money or personal information through U.S. postal mail. Mail scams are meant to cause confusion and instill a sense of urgency within the reader. Postal fraud usually urges readers to act, whether that’s by visiting a website or calling someone.
There is also mail theft, when thieves take mail with criminal intent from a home mailbox, postal drop box, or mail carrier. Criminal intent may be check forgery, check fraud or identity theft.
Fraudsters know that there is sensitive information in the mail, such as bills, account statements, tax returns, and credit/debit cards, so they are eager to get their hands on it. Fraudsters may also target outgoing mail to steal any checks or documents with personal information you are sending to others.
How to Protect Yourself from Mail Fraud
Like any other fraud or scam, there are proactive steps you can take for mail theft and fraud protection.
- Informed Delivery by USPS: This complimentary service sends you daily notifications about the mail you're set to receive, making mail theft detection easier. Learn more.
- Limit Exposure: You can limit your exposure to mail fraud by utilizing online conveniences like eStatements, online Bill Pay, direct deposit, and online banking.
- Opt-Out: You should opt out of receiving credit card and insurance offers. You can do so by calling 1-888-5-OPT-OUT (1-888-567-8688) or on the web at https://www.optoutprescreen.com. This tells credit card companies to stop sending pre-approved applications to your house. By filing a simple change of address form with the post office or contacting creditors, an identity thief can have your personal mail sent to their address. Banks and other companies now send letters to both the new and old addresses when a change is made to stop this type of fraud.
- Lock your mailbox: If your postal carrier is willing, you can buy a padlock for your mailbox. Place it unlocked inside your mailbox. When the carrier delivers your mail, they lock the box. This works well with rural-delivery-style boxes with a hole to accommodate a lock, or you can drill holes in a wall-mounted box. The method is not foolproof, however. Persistent thieves have been known to use hacksaws to remove locks; some smash open mailboxes with baseball bats -- or even steal the mailbox, lock and all.
- Replace a wall-mounted mailbox with a mail slot: If you have door-to-door delivery, ask your local Post Office if you can replace your mailbox with a mail slot on your front or garage door. The postmaster needs to approve any changes in delivery. If you add a mail slot, make it large enough to accommodate catalogs and boxes of checks. However, mail slots are not allowed in rural delivery areas or newer neighborhoods with cluster boxes.
- Buy a security mailbox: Heavy-duty metal boxes are available in both wall-mounted and free-standing models (the latter may be sunk in concrete to prevent vandalism.) Security mailboxes typically have a slot for the carrier to deliver mail. Mail goes down a chute and into a locked compartment.
- Get a post office box: If theft is a concern, the cost of renting a post office box may be worth the investment since thefts from such boxes are rare, according to postal authorities.
- Consider a parcel locker: If you own a home-based business and receive frequent shipments of valuable goods, you may wish to invest in a parcel locker. However, if you use multiple delivery services, you'll need one for postal deliveries and a separate locker for others, such as Federal Express or United Parcel Service.
- Pick up mail promptly: Mail thieves often follow carriers on their routes, striking within 15 minutes after delivery. If you're home during the day, pick up mail as soon after delivery as possible. Ask a trusted neighbor to get your mail if you're not home. Thieves can steal mail from your mailbox to get credit card applications and other sensitive data.
- Outgoing Mail: Outgoing mail is especially lucrative for thieves because it can include bills you pay by check or with credit card. It's more common for mail to be stolen from apartment or housing complex mailboxes because they combine several households - mail in one place.
- Keep your mailbox visible: Trim shrubbery to keep your mailbox as visible as possible, eliminating hiding places for thieves.
How to Report Mail Fraud
If you have been or believe you are a victim of mail fraud, you can report it to the USPS by visiting their website or calling 1-800-275-8777 to report a mail scam.
You should also alert your financial institution that you have had sensitive information stolen. Doing so allows your bank to document this potential identity theft and give you a course of action to protect yourself and your accounts.
While the world may embrace digital channels, mail fraud is still a risk. It is essential to be proactive and take the above actions to help prevent mail fraud and to protect yourself.
BankUnited offers mobile and online banking solutions to help keep your personal details out of the mail and away from fraudsters. Sign up for our eStatements today, or for more information on how to prevent mail theft and where to report mail fraud, visit the United States Postal Service.
topic :
- Fraud Prevention
media :
- Article
- Certain devices are eligible for enrollment in Face ID® or fingerprint sign-in. If eligible, you will have the option to enroll by following the prompts within the mobile banking app. If you store multiple fingerprints on your device including those of additional persons, those persons will also be able to access your mobile banking app via fingerprint, when fingerprint sign-in is enabled. Data connection required. Wireless carrier fees may apply.
- Apple, the Apple logo, iPhone, iPad, and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Pay and Android is a trademark of Google Inc. Samsung is a registered trademark of Samsung Electronics Co., Ltd.
- There is no charge from BankUnited, but message and data rates may apply. Delivery of alerts may be delayed for various reasons, including service outages affecting your phone, wireless or internet provider; technology failures; and system capacity limitations.
- Mobile Check Deposit is subject to deposit limits. Deposit limits may change at any time. Other restrictions apply. See Digital Banking Terms & Conditions for limitations, terms, conditions and details. Message and data rates may apply.
- Any time you review your balance, keep in mind it may not reflect all transactions including recent debit card transactions or checks you have written.