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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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How Strong Bank Partnerships Fuel Business Growth

Jan 15, 2026, 09:58 AM
Title : How Strong Bank Partnerships Fuel Business Growth
Bank united author : BankUnited
Featured : No
Display order : 1
Learn how strong bank partnerships fuel business growth and provide peace of mind.
People shaking hands in group setting

As small- and mid-sized businesses (SMB) focus on daily operations, financial issues are often overlooked until a crisis hits. A delayed deposit that disrupts payroll, a fraud attempt that drains resources, or a setback in obtaining a loan could lead to a jeopardized reputation and missed opportunities.

With the health of their organization at stake, SMB executives often benefit from responsive, reliable guidance from a banker who can analyze the situation and recommend the appropriate financial resources.

In a survey of 200 small business owners conducted by BankUnited, respondents reported that their top goals for the year were to drive profitability and increase sales revenue, as well as improve operational efficiency. Each of these requires solid cash management and access to financial tools. But there’s another hidden advantage to the right bank: a partner who can step in quickly to solve problems and navigate complex issues.

A survey from Deloitte found that a relationship with a trusted personal advisor and customized service were the top reasons small businesses switched banks (behind lower fees). While fees matter, strategic banking advice and insight that ultimately saves money often has a higher value.

How Personalized Service Can Safeguard Your Enterprise

SMB executives need to spend their time and energy growing their company, rather than troubleshooting financial obstacles. Here are three areas where the right banking partner can provide peace of mind.

1. Cash flow urgency

When cash flow stalls, leaders can feel the ripple effect immediately. Issues tend to surface unexpectedly, such as when a customer payment doesn’t clear or a wire transfer is held for verification.

According to the BankUnited survey, more than half of respondents identified improving cash flow management as a top financial priority. That’s no surprise, considering it’s the lifeblood of the business, which allows them to meet their obligations to employees, vendors, and clients.

When there is a snag, the last thing a busy owner wants to do is wait in a call queue to be answered by someone who doesn’t have intimate knowledge their business—or them—and therefore doesn’t understand the urgency.

A responsive banker can prevent operational crises with prompt intervention, but more importantly, they can suggest stronger cash management strategies that will pay long-lasting dividends.

That was a solution offered by Tomas Jimenez, a BankUnited Vice President and Commercial Banking Relationship Manager, working with a construction company in Central Florida. After the owner shared frustrations about cash flow management and a lack of proactive engagement from his existing institution, Jimenez was able to provide insight into managing accounts receivable more effectively, thereby boosting the firm’s trajectory.

2. Fraud response

Unfortunately, fraud is increasingly common, and SMBs are often attractive targets. A 2024 Microsoft survey found that 9 out of 10 SMBs agree that cyberthreats are an increasing risk, and there are real consequences: The research shows the average total cost of an attack is $254,445, but can run as high as $7 million, taking into account not only real costs but hidden risks such as reputational fallout.

When fraud strikes, SMB leaders value immediate access to a banker who can act quickly. In fact, the BankUnited survey found that security and fraud protection is one of the top factors considered when choosing an institution. They also named security and fraud concerns as the factor that would “most likely drive them to look for a new banking partner.”

Case in point: a commercial interior design firm that turned to BankUnited and Senior Commercial Relationship Manager Leslie Fischman after a fraud attempt led their previous bank to shut down their accounts without warning.

While fraud activity must be taken seriously, an overly zealous reaction could hinder an SMB’s ability to conduct business. Having a banking fraud expert helps leaders react appropriately and promotes issue resolution with minimal disruption.

3. Access to credit and lending support

Nearly three-quarters of respondents to the BankUnited survey reported that their demand for loans or credit had either remained the same or increased, underscoring the need for informed guidance to navigate financing options.

When pursuing lines of credit, loans, or equipment financing, having access to both expertise and an extensive suite of products is essential. A relationship manager who understands their industry can guide them through the various products available and explain the terms, as well as both the short- and long-term repercussions. Then they can expedite credit decisions and ensure timely funding so that clients don’t miss a time-sensitive growth opportunity.

For example, an engaged banker could help a manufacturer secure a line of credit to purchase new equipment before a price increase, or a restaurant operator access a commercial loan to lease a prime spot for their next location.

The Power of White Glove Service

Collaborating with a banker who values long-term loyalty often yields ongoing benefits, from leveraging their expertise in business best practices to seeking advice on the products and services best suited to your company’s goals and vision.

Successful SMBs find that focusing solely on fees comes at a cost, as a “race-to-the-bottom” fee competition can sacrifice the benefits of connecting with a banker who will advocate on their behalf.

As one client shared, working with his relationship manager and BankUnited was like “having an extended banking department on my team…always working on my behalf in the background…more than willing to hold my hand and get it done with a smile on his face – saving a lot of aggravation on my side.”

For SMBs, customer service is often the hidden advantage that keeps operations running smoothly and builds resiliency. To find out how BankUnited can help your business thrive, contact a commercial banker today.
topic :
  • Small Business
media :
  • Article
People shaking hands in group setting

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.