Bankunited, National Association logo

Bankunited, National Association in Miami Lakes, FL

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BankUnited is a regional bank offering personal and business banking services including checking, savings, lending, and treasury solutions with FDIC insurance and digital banking capabilities.

Data compiled from public sources

Bankunited, National Association Review

BankUnited, National Association is a federally-insured bank operating as a regional institution with national reach. The bank emphasizes personalized service and customer-centric solutions across both personal and commercial segments. Founded on principles of elevating customer experience beyond typical banking expectations, BankUnited positions itself as a service-oriented alternative to larger impersonal institutions.

The bank provides a comprehensive suite of personal banking products including multiple checking account tiers (Vertical Rewards Premier Checking and Essentials Checking), savings accounts, high-yield savings, promotional money market accounts, and certificate of deposit accounts. For lending needs, customers can access home equity products powered by Spring EQ. The business banking division offers deposit services, SBA lending as a Preferred Lender, commercial lending solutions, treasury solutions, and specialty banking including HOA banking, mortgage warehouse lending, and title solutions. Digital banking features include online and mobile platforms, Money Manager tools, and bill payment capabilities.

BankUnited distinguishes itself through emphasis on white-glove, personalized service and industry-specific experience context for commercial clients. The company highlights security as a priority with dedicated online security resources and fraud awareness education. Their SBA Preferred Lender status and listed lending products (PRONTO Line of Credit & Term Loan, Home Equity through Spring EQ) reflect institutional depth. Digital innovation is featured through their BankUnited Lynx platform and Money Manager tools alongside traditional branch and ATM networks.

As a traditional bank, BankUnited serves customers seeking federally-insured deposits and conventional lending products. The regional-to-national positioning suggests competitive offerings for both personal and business customers, though specific rate comparisons, fee structures, and approval requirements are not detailed on the provided website content. The emphasis on service quality and listed lending indicates positioning in the mid-market banking space rather than budget or premium-only segments.

Services & Features

Certificate of Deposit (CD) Accounts
Commercial Lending Solutions
Essentials Checking Account
HOA Banking Services
High Yield Savings Account
Home Equity Lending (powered by Spring EQ)
Mortgage Warehouse Lending
PRONTO Line of Credit & Term Loan
Promotional Money Market Account
SBA Lending (Preferred Lender)
Treasury Solutions
Vertical Rewards Premier Checking Account

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • FDIC-insured deposits backed by full faith and credit of U.S. Government
  • SBA Preferred Lender status providing access to government-backed small business loans
  • Multiple personal checking account options (Vertical Rewards Premier and Essentials) serving different customer profiles
  • Comprehensive treasury solutions for business cash flow management and operations streamlining
  • Digital banking platform (BankUnited Lynx) with online and mobile access for account management
  • listed lending through Home Equity Powered by Spring EQ and PRONTO Line of Credit & Term Loan
  • Industry-specific experience context and banking solutions for HOA, mortgage warehouse, and alternative funds segments

Cons

  • Website does not disclose specific APY rates for savings products or CD terms beyond one promotional rate (3.65% for 6-month CD)
  • No information provided about minimum deposit requirements, monthly fees, or account maintenance costs
  • Limited transparency on lending approval criteria, loan amounts, terms, or APR ranges for business and personal loans

Consumer Complaint Record

BankUnited, National Association received 7 consumer complaints in the past 12 months. All complaints received a timely response from the company.

7

Complaints (12 months)

20.0%

Resolved with relief

Stable

Complaint trend

Most Common Complaint Categories

Managing an account
40.0%
Other transaction problem
13.3%
Closing an account
13.3%

56 FDIC-insured branch locations nationwide.

Source: Consumer Financial Protection Bureau · FDIC BankFind

State Consumer Finance Context

This is state-level context for Banks consumers in Miami Lakes, FL. It does not confirm that Bankunited, National Association or this specific location is licensed.

State regulator

Florida Office of Financial Regulation

Key state rules to check

  • Payday loans (deferred presentment) capped at $500 with maximum fee of $10 per $100 ($300) or $15 per $100 ($300-$500).
  • Borrowers can have only one outstanding payday loan at a time, tracked via a statewide database.
  • A mandatory 24-hour cooling-off period is required between payday loans.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

Does Bankunited, National Association respond to consumer complaints?

According to CFPB data (2023-present), Bankunited, National Association has a 99% response rate to consumer complaints, with 99.7% of those responses delivered within the CFPB's 15-day window. Response rate measures whether the company replied — not whether the consumer's issue was resolved in their favor.

What services does Bankunited, National Association offer?

Bankunited, National Association offers 12 services including Vertical Rewards Premier Checking Account, Essentials Checking Account, High Yield Savings Account, Promotional Money Market Account, Certificate of Deposit (CD) Accounts, and 7 more.

What profile signals are listed for Bankunited, National Association?

Bankunited, National Association has profile signals associated with Small business owners seeking SBA lending and personalized commercial banking services, Customers prioritizing FDIC-insured deposits with digital banking convenience and branch access, Individuals seeking multiple checking account options tailored to different life stages and financial needs.

What are the strengths and weaknesses of Bankunited, National Association?

Key strengths: FDIC-insured deposits backed by full faith and credit of U.S. Government; SBA Preferred Lender status providing access to government-backed small business loans; Multiple personal checking account options (Vertical Rewards Premier and Essentials) serving different customer profiles. Areas to consider: Website does not disclose specific APY rates for savings products or CD terms beyond one promotional rate (3.65% for 6-month CD); No information provided about minimum deposit requirements, monthly fees, or account maintenance costs.

How does Bankunited, National Association compare to similar companies?

In the Banks category, comparable providers include American Momentum Bank, Crews Bank & Trust, EdFed. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Founded
2009
Headquarters
Miami Lakes, FL
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #58979
Visit Bankunited, National Association

CreditDoc Profile Note

Research Note on Bankunited, National Association

BankUnited is profile signals for small business owners and individuals seeking FDIC-insured banking with personalized service and a mix of digital and branch-based access. Primary caveat: the website lacks specific product details including rates, fees, and lending terms, requiring direct contact for accurate product comparison and application information.

CFPB Transparency Report

Public data from the Consumer Financial Protection Bureau

Response Rate*
99%
On-Time Response**
99.7%

* Percentage of consumer complaints that received a company response (does not indicate the complaint was resolved in the consumer's favor)

** Percentage of responses delivered within the CFPB's 15-day window

Source: consumerfinance.gov | Last checked 2026-04-06

Profile Signals

  • Small business owners seeking SBA lending and personalized commercial banking services
  • Customers prioritizing FDIC-insured deposits with digital banking convenience and branch access
  • Individuals seeking multiple checking account options tailored to different life stages and financial needs
Updated 2026-05-08

Similar Companies

American Momentum Bank logo

American Momentum Bank

FDIC-insured bank offering personal and business checking, savings, CDs, IRAs, and lending products across multiple states with focus on association and small business banking.

4.4/5

Google rating from 17 reviews

BBB: NR

Profile signals: Small business owners and entrepreneurs needing SBA loans and commercial lending in Texas or Florida, Property managers and HOA companies seeking dedicated association banking support

Crews Bank & Trust logo

Crews Bank & Trust

Crews Bank & Trust is a full-service bank with 90+ years of Florida history, offering personal and business banking, mortgages, investment services, and trust administration through multiple branches including Sarasota.

4.9/5

Google rating from 39 reviews

BBB: NR

Profile signals: Florida-based business owners seeking relationship-driven banking with SBA loans, commercial real estate financing, and treasury management, Sarasota-area residents and professionals wanting a full-service bank with trust/wealth management and estate planning services

EdFed logo

EdFed

Educational Federal Credit Union offers member-owned banking services including auto loans, mortgages, credit cards, and home equity products with promotional rates and cash-back incentives.

4.5/5

Google rating from 76 reviews

BBB: NR

Profile signals: Credit union members seeking auto loans with promotional rates and deferred payment options, Homebuyers interested in guided home purchasing through dedicated concierge support

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Quick Summary

  • Bankunited, National Association is listed as a Banks provider in Miami Lakes, FL on CreditDoc.
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