Deposits held and insured by BankUnited

Reviews (2)

Greatly Lower Rates And Would Not Allow External Transfer

Got the money market checking account with 2% but it quickly was lowered to 0.75 which was half the rate of other banks. Website is nice and you can get a person on the phone quickly. But they would not allow me to transfer to external account without major hoops. Security and public records questions, two sub-$1 transfers, and the kicker, a real statement from the other bank. It will cost $15 to close if the account isn't open 180 days.

Horrible Bank

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Advertised a money market account at 2.00%. Opened an account and within a month two downgrades to 1%, tried to withdraw my money after the 180 day period and could not close the account. Stay away from these rascals.


Data as of Q4 2020

Capitalization grade does not factor in PPP loans and the use of the PPP Liquidity Facility.
Learn why bank health matters

Health Grade Components

FDIC Certificate #58979
Year Established2009
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD7.32%
Annual Interest Income$1.07B
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$34.88B$32.78B
LoansQ4 2020vs Q4 2019$23.63B$23.08B
DepositsQ4 2020vs Q4 2019$27.81B$24.63B
Equity CapitalQ4 2020vs Q4 2019$3.29B$3.10B
Loan Loss AllowanceQ4 2020vs Q4 2019$257.3MM$108.7MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$206.5MM$146.9MM
Real Estate OwnedQ4 2020vs Q4 2019$3.1MM$3.9MM
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BankUnitedDirect Money Market Rates

0.25%-$250kOnline Money Market

BankUnitedDirect CD Rates

0.30%$1k$250k12 Month CD
0.15%$1k$250k18 Month CD
0.15%$1k$250k24 Month CD
0.15%$1k$250k36 Month CD
0.10%$1k$250k9 Month CD
0.05%$1k$250k6 Month CD

BankUnitedDirect is an Internet only bank and does not have branch locations. Its headquarters is located at 14817 Oak Lane - Miami Lakes, FL 33016

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