Compared with Florida
6 of 16
compared fees are above the median.
8 below, 2 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
32nd percentile; peer median 2.9%
FDIC call report data · Jun 30, 2026
Fees above the Florida median
of 16 compared; 8 below, 2 about the same
See the feesFee schedule read Oct 20, 2026
Call-report figures are for BankUnited, National Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 95 banks with $10B to $50B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Florida median | Published fees above the Florida median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | BankUnited, National Association's published fee schedule; Bank Fee Index medians | Current schedule | Oct 20, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.1% of revenue, below the 2.9% median of 95 banks with $10B to $50B in assets (32nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $5.9M in Q2 2026, 24% above the same quarter a year earlier ($4.8M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
6 of 16 compared published fees sit above the Florida median; 8 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Florida medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Essentials Checking Account $5 · Value Checking $7 · RELATIONSHIP CHECKING $20
Compared at $7, the middle of its prices
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 22% from Q3 2025 to Q2 2026, to $5.9M. Its share of revenue, 2.1%, is below the 2.9% median for banks with $10B to $50B in assets.
$5.9M
BankUnited, National AssociationMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 95 banks with $10B to $50B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $20; we compare the midpoint.
BankUnited, National Association · $34.9B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| BankUnited, National Association(this institution) | Miami Lakes, FL | $34.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Ameris Bank | Atlanta, GA | $28.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Arvest Bank | Fayetteville, AR | $28.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Atlantic Union Bank | Richmond City, VA | $38B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Axos Bank | San Diego, CA | $28.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Banc of California | Los Angeles, CA | $34.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank OZK | Little Rock, AR | $41.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Barclays Bank Delaware | Wilmington, DE | $43.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| City National Bank of Florida | Miami, FL | $29.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Commerce Bank | Kansas City, MO | $35B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Customers Bank | Malvern, PA | $26.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Eastern Bank | Boston, MA | $31.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First National Bank of Omaha | Omaha, NE | $34.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Fulton Bank, National Association | Lancaster, PA | $32.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Glacier Bank | Kalispell, MT | $31.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hancock Whitney Bank | Gulfport, MS | $36.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| MidFirst Bank | Oklahoma City, OK | $42.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Prosperity Bank | El Campo, TX | $43.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Renasant Bank | Tupelo, MS | $27B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sallie Mae Bank | Salt Lake City, UT | $28.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| TD Bank USA, National Association | Wilmington, DE | $32.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Capital Bank | Dallas, TX | $33.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Bank | Fairfax, VA | $33.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| United Community Bank | Greenville, SC | $29B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| WaFd Bank | Seattle, WA | $27.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| WesBanco Bank, Inc. | Wheeling, WV | $27.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 18 publish this fee(monthly maintenance)
7 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7, the middle of its three prices, against a peer median of $12.25 among 18 publishing peers.
Its three checking prices are $5, $7 and $20.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for BankUnited, National Association (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $5.9M | +$109K | +1.9% |
| Q1 2026 | $5.8M | +$479K | +8.9% |
| Q4 2025 | $5.4M | +$485K | +10.0% |
| Q3 2025 | $4.9M | +$58K | +1.2% |
| Q2 2025 | $4.8M | +$78K | +1.6% |
| Q1 2025 | $4.7M | +$295K | +6.7% |
| Q4 2024 | $4.4M | +$3K | +0.1% |
| Q3 2024 | $4.4M | +$86K | +2.0% |
Financial cohort: 111 banks with $10B to $50B in assets filing for Q2 2026; 95 reported a share above 0% and are counted, BankUnited, National Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to BankUnited, National Association by share.
Amounts from BankUnited, National Association’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per hour
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly maintenance fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance fee | $20Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Value Checking Monthly fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Checking Account (per month) | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Reconciliation (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Insufficient Funds | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Protection Sweep (per sweep) | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Access-Non-BankUnited ATM | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
Wire Transfers | |||
| WIRE TRANSFERS: Domestic–Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Foreign Currency Wire | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Stop Payments (Check, ACH) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Check | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Express Canadian Check Collection | $100Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of Paid Checks | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Return Items | $25Inside the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
| Returned Items | $25Inside the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Public | $2Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Drilling | $150Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Lost Key | $20Not compared: Box drilling or key fee | Not stated | None |
| Processing of any garnishment, tax levy, or other court | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Account Verification | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Photocopies | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
per month
per month
per month
per month
per month
per month
per month
per hour · Reconciliation (per hour) | $25
per month
per hour
per hour
per transaction
per item
one time
per item
per item
per month
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Fee (per statement cycle) | $25 | per month | None |
| Dormant Checking Account (per statement cycle) | $15 | per month | None |
| ACCOUONT Reconciliation Service Implementation (per account) | $5 | Not stated | None |
| Deposit Reconciliation (monthly) | $40Not compared: Monthly charge, not per item | per month | None |
| Full Account Reconciliation (monthly) | $75Not compared: Monthly charge, not per item | per month | None |
| Full Account Reconciliation with Payee Positive Pay (monthly) | $125Not compared: Monthly charge, not per item | per month | None |
| Full Account Reconciliation with Positive Pay (monthly) | $100Not compared: Monthly charge, not per item | per month | None |
| Partial Account Reconciliation (monthly) | $40Not compared: Monthly charge, not per item | per month | None |
| Reconciliation (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | Reconciliation (per hour) | $25 |
| Reconciliation Detail Reporting (monthly) | $30Not compared: Monthly charge, not per item | per month | None |
| Reconciliation File Correction | $50 | Not stated | None |
| Research (per hour) | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| RESEARCH: Account Research (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Insufficient Funds | $35 | Not stated | None |
| Overdraft Protection Sweep (per sweep) | $5 | Not stated | None |
ATM & Card | |||
| ATM Access-Non-BankUnited ATM | $2.50 | per transaction | None |
Wire Transfers | |||
| Domestic Wire Transfer (outgoing) | $15 | Not stated | None |
| WIRE TRANSFERS: Domestic – Incoming | $15 | Not stated | None |
| International Wire Transfer (outgoing) | $25 | Not stated | None |
Check Services | |||
| Check Printing: Foreign Draft | $25 | Not stated | None |
| Stop Payments (check, ACH) | $30 | Not stated | None |
| Stop Payments (per item) | $5 | per item | None |
| Counter Check | $1 | Not stated | None |
| Copy of Check Images or Other Items (per item) | $2 | per item | None |
Digital & Electronic | |||
| ACH Batch Delete/Reversal (per event) | $30 | per item | None |
| ACH Export FIle Setup for Payment Portal (one time) | $350 | one time | None |
| ACH File: Batch or Pass Thru (per file) | $5 | per item | None |
| ACH File: Pass Thru or Batch | $5 | Not stated | None |
| Same Day ACH Credit/Debit to Corporate or Consumer | $1.50 | per item | None |
| ACH Alerts User Return | $1 | Not stated | None |
| ACH Return Report (per report) | $5 | Not stated | None |
| ACH Return Reporting Service (monthly) | $25Not compared: Monthly charge, not per item | per month | None |
| App and Bill Pay with ONE of the following modules | $25 | Not stated | None |
| App, Bill Pay, and Wire Module | $10 | Not stated | None |
| Bill Pay: Tier 3 Client (monthly) | $40 | per month | None |
Cash & Deposit | |||
| Return Items | $25 | Not stated | None |
Account Services | |||
| Notary Public | $2 | Not stated | None |
| Drilling | $150Not compared: Box drilling or key fee | Not stated | None |
| Late Payment | $10Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Lost Key | $20Not compared: Box drilling or key fee | Not stated | None |
| LEGAL PROCESSING FEE: Legal Processing Fee | $100 | Not stated | None |
| Account Verification (per form) | $20 | Not stated | None |
| Audit Confirmation (per form) | $20 | Not stated | None |
Other Fees | |||
| Courier Fee | $150 | Not stated | None |
| Fax Notification | $10 | Not stated | None |
| Statement Copy (per page) | $2Not compared: Charged per page; comparison unavailable | per page | Statement Copy (per page) | $2 |
Oct 20, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where BankUnited, National Association operates, and what regulators and customers have on file.
Branch footprint
57 offices in 4 states, $29.1B in branch deposits (June 2026)
Hover a state for its branch count.
Largest markets by deposits
| 36 | $19.5B | |
| 4 | $7.8B | |
| 1 | $506.5M | |
| 5 | $301.6M | |
| 3 | $194.6M | |
| 1 | $190.8M | |
| 2 | $176.1M | |
| 1 | $137.4M |
Miami-Fort Lauderdale-West Palm Beach, FL
5.6% of bank deposits, #7 of 86, up 1.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Bank of America, National Association | 15.7% |
| JPMorgan Chase Bank, National Association | 12.5% |
| Wells Fargo Bank, National Association | 10.7% |
| Citibank, National Association | 6.4% |
| Truist Bank | 6.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Miami-Fort Lauderdale-West Palm Beach, FL, BankUnited, National Association holds 5.6% of bank deposits, #7 of 86, with 36 offices.
900 offices of 24 institutions shown.
Showing 900 of 1,495 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 86 institutions shown. $348.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 5.6% share, 36 offices, #7 of 86
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
173 offices of 39 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Consumer complaints
5 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Managing an account | 3 |
| Closing an account | 1 |
| Other transaction problem | 1 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
BankUnited, Inc. (NYSE: BKU)
Consolidated assets
$34.9B
Shareholders' equity
$3.0B
As of
2026Q2
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 1504008. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.