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Checking Accounts Built For Business Growth

Choose a small business checking account designed to support your day to day operations and long term goals. Whether you need a simple business checking account or more advanced capabilities, BankUnited offers flexible solutions for your business.
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Compare Small Business Checking Accounts

PRIMARY BUSINESS CHECKING

$100

minimum opening deposit

  • $12 monthly maintenance fee - Avoid maintenance fee by maintaining average monthly balance of $1500 or more
  • Up to 150 free transactions (deposits, deposited items, checks & debits) per statement cycle
  • Business VISA® Debit Card
  • Bank on the go with online & mobile banking
 

 

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BUSINESS EXPRESS CHECKING

$100

minimum opening deposit

  • $20 monthly maintenance fee - Avoid monthly maintenance fee by maintaining average monthly balance of $5000 or more
  • Up to 300 free transactions (deposits, deposited items, checks & debits) per statement cycle
  • Business VISA® Debit Card
  • Bank on the go with online & mobile banking
 

 

Contact Us View Details

COMMERCIAL ANALYSIS CHECKING

$100

minimum opening deposit

  • $20 monthly maintenance fee
  • Earnings credit available to help offset monthly maintenance fees and other service charges
  • Detailed analysis statements to help keep track of your business banking (upon request)
  • Business VISA® Debit Card
  • Online treasury management services to manage your company's payments, collections, reporting and account balancing
Contact Us View Details

Business Checking Account Benefits

Regardless of your choice, each of our small business bank accounts is built to deliver value, convenience, and control for your business finances.

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Online Bill Pay

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Debit Card

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eStatements

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Online and Mobile Banking

Small Business Checking Accounts FAQs


Get answers to common questions about choosing and managing the best business checking account for your company.

The best business checking account depends on your transaction volume, balance, and banking needs. BankUnited offers multiple small business checking accounts to match different business sizes and activity levels.  

You can open a business checking account by contacting BankUnited or visiting a branch. You will typically need business formation documents, identification, and an opening deposit.  

Fees may include monthly maintenance charges, transaction fees, and cash processing fees. Many fees can be avoided by maintaining required balances.  

Yes, BankUnited provides online and mobile banking tools so you can manage your small business bank account anytime, including payments, transfers, and account monitoring.  

Interested in a Business Checking Account?


Whether you’re starting a new business or looking for a better banking experience, BankUnited is here to help you find the business checking account that fits your needs. Complete the form below and a Business Banking specialist will contact you shortly.

Featured Insights

BankUnited supports small businesses with financial tools, insights, and personalized service to help you succeed. From managing cash flow to planning for growth, we are here to help every step of the way.
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5 Signs Your Business is Financially Strong

May 7, 2025, 12:24 PM
Title : 5 Signs Your Business is Financially Strong
Bank united author : BankUnited
Featured : No
Display order : 1
Running a financially resilient business helps weather uncertainty. Here’s how to set your business up for success.
Women with coffee in front of building

Businesses across the country face significant challenges every day.

By staying adaptable and financially prepared, companies can turn challenges like shifting regulations, evolving market trends, and fluctuating costs into opportunities for growth. A rock-solid financial foundation helps businesses weather the storm and navigate uncertainty. But how can you tell if your business is truly financially strong?

Here, we’ll share five signs that may tell if your business is financially thriving — plus, tips on how to strengthen your financial foundation to succeed in any economic environment.

Sign 1: Consistent positive cash flow

Cash flow is the lifeblood of any business, and positive cash flow signals a position of financial strength.

Regularly bringing in more money than you’re spending means you have more levers to pull when the economy shifts. You can use that cash for a robust emergency fund, for example, or reinvest in the business to expand your operations, deploy new technologies to bolster efficiencies, or even bring new innovation to market.

How to strengthen your cash flow
If your current cash flow is not yet where you’d like it to be, explore options to maximize the money flowing into your business and minimize the money flowing out. You might opt to negotiate shorter payment terms with clients, for example, or negotiate longer payment terms with your suppliers to give you more time to pay.
 

Sign 2: Diversified revenue streams

While every business owner feels tempted to focus on their biggest and best clients, it’s important not to put all your eggs in one basket. Relying too heavily on a single client — or serving a very niche segment of the market — significantly increases your financial risk. If you lose that client, or the niche industry you serve is hit hard by economic uncertainty, you risk losing a large portion of your revenue.

On the other hand, a well-diversified client base means you can more easily recover from losing any one client since that client will provide a smaller portion of your total revenue.

How to diversify your business
Depending on your business model and the clients you serve, you may have options to diversify your revenue streams. Continually marketing your business to new clients allows you to build a robust pipeline of leads, while adapting your offerings to serve multiple markets builds resilience. You could also explore new business models, like introducing subscription services that provide predictable income.

Sign 3: Optimized overhead and operational costs

A key part of building financial strength is managing your operational costs without sacrificing performance. Financially strong companies look for ways to bolster efficiencies, from identifying and addressing cost inefficiencies to investing in new technologies or automation to support growth.

That doesn’t mean your business needs to run perfectly to be financially strong — but it does mean you should regularly reassess your operations to look for areas of improvement and take steps to improve efficiency.

How to minimize your operational costs
Every business has a unique path to cost-efficiency, so your plan will depend on your current operations as well as your business goals. In general, you should have a firm understanding of the key bottlenecks and inefficiencies in your business, and have a plan to improve these inefficiencies on a timeline that makes sense for your business.

Sign 4: Robust financial forecasts — with contingency plans to match

A critical aspect of being “ready for anything” is planning for the future, and financially strong businesses rely on forecasting to help prepare for whatever may be just over the horizon.

Financial forecasts help a business anticipate how changes outside their business — like economic uncertainty or supply chain disruptions — might impact their finances. They also help map out how different decisions within the business may impact financial strength.

How to create financial forecasts for your business
Financial forecasting starts with quality data, and your merchant services solution can be a powerful source of insight. Whether tracking sales trends or identifying seasonal slowdowns, the right system provides real-time access to transaction data.

Review the analytics options already available to you via your point of sale (POS) solution to ensure you’re leveraging these effectively, considering that it might be time to upgrade. 

Sign 5: The ability to access credit or financing when you need it

Capital can play a key role in helping you reach your goals, whether you’re looking for financing to expand your business or just providing a cash buffer to navigate uncertainty.

Financially strong businesses have a sound credit profile, including a history of managing their credit responsibly. They’ll often also apply for financing at the optimal time, even if they don’t need capital right away. Finally, financially strong businesses will ensure they have access to a range of credit and lending tools — like business credit cards, lines of credit, and loans — so they have plenty of options to access capital when they need to.

How to use credit effectively in your business
Good business credit starts with strong financial management: Making sure you’re paying your suppliers and lenders on time, and only taking on a level of debt you can reasonably manage. If you need additional credit or lending options, time your applications when they’ll be most advantageous for you, such as locking in a fixed-rate loan when interest rates are low, to secure the best terms possible.

We’re here to help you build a stronger business

No matter where you are in your business journey or what your ultimate goals are, access to trusted financial advice helps set you up to succeed. Our dedicated team of business bankers can help you map out a plan to reach your financial goals, as well as connect you to financial solutions that can help you along the way.

Want to know how financially strong your business is? Take our interactive quiz to assess your company’s financial health and get insights to help you grow with confidence. Click here to take the quiz.
topic :
  • Small Business
media :
  • Article
Women Standing in Front of Corporate Building with Coffee

Primary Business Checking Account

  • $100 minimum opening deposit
  • $12 monthly maintenance fee:

    • Automatically waived for the first two statement cycles (new accounts only).

    Ways to avoid monthly maintenance fee:

    • Maintain $1,500 average monthly balance in the account or
    • Maintain $4,500 minimum daily balance in related business checking or savings account1
  • First 150 transactions per month at no charge
    • Over 150: $0.40 transaction fee
  • Cash Processing Limits: Deposit/withdraw up to $10,000 in cash per month at no charge
    • $1.50 fee per $1,000 over $10,000
  •  Complimentary Business Visa Debit Card4
  • Complimentary Online & Mobile Banking5

 

Business Express Checking Account

  • $100 minimum opening deposit
  • $20 monthly maintenance fee:

    • Automatically waived for the first two statement cycles (new accounts only).

    Ways to avoid monthly maintenance fee:

    • Maintain $5,000 average monthly balance in the account or
    • Maintain $10,000 minimum daily balance in related business checking or savings account1
  • First 300 transactions per statement cycle at no charge
    • Over 300: $0.40 transaction fee
  • Cash Processing Limits: Deposit/withdraw up to $15,000 in cash per month at no charge
    • $1.50 fee per $1,000 over $15,000
  • Complimentary Business Visa Debit Card4
  • Complimentary Online & Mobile Banking5

 

Commercial Analysis Checking Account

  • $100 minimum opening deposit
  • $20 monthly maintenance fee:

    • Earns Credit available to offset fees2

  • Transaction fee applies3
    • Cash Processing Limits: Refer to applicable fee schedule
      • Complimentary Business Visa Debit Card4
      • Online & Mobile Banking: Fees apply to Online Treasury Management Access6


      1. Related account must be in the same name as your Primary Business or Business Express Checking Account.
      2. The monthly maintenance fee may be offset by the earnings credit calculations applied on an analyzed statement at end of month. The earnings credit shall be equal to (i) the average monthly collected balance multiplied by (ii) the then applicable earnings credit rate divided by the actual number of days in the applicable year multiplied by (iii) the actual number of days in the applicable cycle. The earnings credit will be used to offset maintenance fees, transaction fees and any other service charges that may be assessed to the account. If the earnings credit rate exceeds the total monthly fees, such excess will not be carried over or applied to fees incurred in subsequent months. If the earnings credit is less than the total monthly fees, the account may be charged for the amount of the difference. If the earnings credit is negative, the account may be charged the full amount of the fees.
      3. Transaction fees are attained for the following and will be priced accordingly at the time you elect the service.
        • For each check and/or debit paid per statement cycle
        • For each ACH Credit per statement cycle
        • Per deposit credited per statement cycle
        • Per item deposited per statement cycle
      4. You'll get a BankUnited Visa® Business Debit Card with no-fee transactions at BankUnited ATMs. 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.
      5. Requires enrollment.
      6. Pricing provided by our Treasury Management team. Pricing may be different at the time you elect the service. Please contact a Treasury Management Officer for additional information.


      Rates and annual percentage yields (APYs) are effective as of the date indicated and are subject to change without notice unless otherwise stated. Fees may reduce earnings on the account. Products, services, fees, terms and conditions are subject to change. Certain restrictions and limitations may apply. Contact BankUnited for complete account details.

      Please review the see our Deposit Account Agreement, Business Schedule of Fees and Funds Availability Disclosure for complete details.