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BUSINESS CHECKING ACCOUNTS

BUILT FOR YOUR GROWING BUSINESS

We offer a wide range of checking accounts to meet your business’ unique needs. From those needing basic services to those seeking more detailed service, we have an account for you.

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Primary Business Checking
Business Express
Commercial Analysis Checking
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Primary Business Checking

If you only plan to make a few transactions per month, then you want an account that keeps things simple. With basic deposit and check-writing capabilities, the Primary Business Checking account is perfectly suited for small businesses that don’t need the bells and whistles.

  • $100 minimum opening deposit
  • $12 monthly maintenance fee
  • Up to 150 free transactions (deposits, deposited items, checks & debits) per statement cycle
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Business Express Checking

If you’re a small-to-medium sized business with moderate checking needs, then consider this low-fee checking account.

  • $100 minimum opening deposit
  • $20 monthly maintenance fee
  • Up to 300 free transactions (deposits, deposited items, checks & debits) per statement cycle
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Commercial Analysis Checking

This account is Ideal for larger businesses with complex banking needs – a BankUnited Commercial Analysis Checking Account offers credits on qualifying balances, which can help reduce or offset monthly service fees.

  • $100 minimum opening deposit
  • $10 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)
  • Online treasury management services to manage your company’s payments, collections, reporting and account balancing
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Checking Account Benefits:

Regardless of your choice, all of our business checking accounts come with a range of standard benefits.

Online and Mobile Banking
Online Bill Pay
eStatements
Debit Card
 
 Primary Business Checking Business Express Checking Commercial Analysis Checking
  
 Simplicity, value and convenience for newer or smaller businesses. Flexibility and value for businesses with moderate transaction levels. An analyzed account that puts higher balances to work for you.
 

Minimum Opening Deposit

Minimum Opening Deposit

$100 $100 $100
 

Monthly Fee

Monthly Maintenance Fee

$12

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 account 1
$20

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 account 1
$10

Earnings Credit available to offset fees 2

 

Transactions Limit

Transaction Fee

First 150 transactions per month at no charge

over 150: $0.40 each

First 300 transactions per statement cycle at no charge

over 300: $0.40 each

Transaction fee applies3

 

 

Cash Processing Limits

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

Deposit/withdraw up to $15,000 in cash per month at no charge

$1.50 fee per $1,000 over $15,000

 

Refer to applicable fee schedule
 

Complimentary Business Visa Debit Cards 1

Complimentary Business Visa Debit Card  4

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Complimentary Online & Mobile Banking 4

Complimentary Online & Mobile Banking 5

CheckmarkCheckmarkFees apply to Online Treasury Management Access 6

 

  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.

$15.00 early closeout fee will be assessed if your Primary Business Checking Account, Business Express Checking Account or Commercial Analysis Checking Account is closed within 180 days of the account opening date.

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