Frequently Asked Questions

Frequently Asked

You will need the following information to complete an online application:

  • A valid social security number
  • A valid U.S. ID (driver’s license or government-issued photo ID)
  • Your primary contact information including physical address, telephone number and email address
  • Your account number and routing number from the external bank you will use to fund your BankUnitedDirect account

Accounts typically require a minimum deposit based on the product type. Currently, our minimum opening deposits are:

  • Certificates of Deposit: $1,000
  • Money Market: $2,500

Simply select the "Save this application for later" link at the bottom of the page. Applications will be saved for 10 business days from the date saved.

You can transfer funds from another bank electronically. If you are setting up a transfer to or from an account that has not yet been verified, you must go through the micro-deposit verification process. This process uses test deposits to confirm account linking. You will need your account number and the routing number of your external bank to complete the verification process.

Once you complete the micro-deposit verification process, it typically takes 2-3 business days for your account to be funded. Once your account is funded, you can access your money.

To order checks, please call us at 1-844-365-5720.

Your new account number will be displayed at the completion of the account opening process.

Once you have established an account, you may obtain your account number by clicking on the Resume Application link on the home page.

Deposits to your Money Market Account can be made in the following ways:

  • Wire transfer (fees may apply)
  • Online Transfers and Direct Deposit
  • Mobile Deposit (must have BankUnited mobile banking app in order to make mobile deposits)

To download the BankUnited mobile banking app, please click below:
Apple Store: Apple Store
Google Play: Google Play Store

For your money market account, you can make deposits as often as you would like.

For your CD account, you can only add money when it reaches maturity and before it is renewed.

Setting up direct deposit into your BankUnitedDirect Money Market Account is easy. All you will need is your employer’s direct deposit form, our ABA routing number (267090594) and your BankUnitedDirect Money Market account number.

Federal law limits the number of withdrawals and transfers from all U.S. savings and money market accounts to a combined total of six (6) transfers per calendar month or statement cycle of at least four (4) weeks. Please note that for purposes of transaction limitations, we count a transaction as of the date we debit your Money Market account which may be different from the date you authorize, transfer or write the transaction. If you exceed the allotted of transactions, we will notify you and you will be charged a $9.00 Excessive Transaction Fee for each transaction over the limit. Please note that if you exceed the transaction limitations 3 times, we may close your account.

To enroll for online banking, please click here. If you are enrolling for online banking, you will need your BankUnitedDirect account number.

To access your online banking, please visit and click on “Sign-In” at the top of the page.

To reset your online banking password, click here or call us at 1-844-365-5720.

Apple Store: Apple Store
Google Play: Google Play Store

BankUnitedDirect accounts are insured up to the maximum limits through the Federal Deposit Insurance Corporation (FDIC). Because BankUnitedDirect is a division of BankUnited, N.A., deposits held in BankUnitedDirect are added together with deposits held directly with BankUnited, N.A. for determining FDIC coverage. If you want to learn more about FDIC insurance limits, click here.


To change your personal information, including primary or mailing address, phone number or email address, please call us at 1-844-365-5720. We will send you a confirmation that your information has been updated.