BankUnited
- Company typePublic
- Founded2009
- HeadquartersMiami Lakes, United States
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
BankUnited firmographics
Firmographics- Name
- BankUnited
- Legal name
- BankUnited, Inc.
- Website
- https://bankunited.com
- Company type
- Public
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Ownership category
- akta.pro rank
Where BankUnited is headquartered
LocationHeadquarters
- HQ city
- Miami Lakes
- HQ country
- United States
- HQ region
- North America
Offices10 records
Markets served
BankUnited business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Net Interest Income: Primary revenue driver from interest earned on loans (commercial, residential, consumer) minus interest paid on deposits. Represents the spread between lending rates and deposit costs.
- Non-Interest Income: Fee income from treasury management services, commercial card programs, loan syndication fees, capital markets operations, and commercial card services.
- Share Repurchases: Capital return program through share buybacks authorized at $200 million, returning value to shareholders alongside dividend payments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal Checking Accounts |
| Other | Pay-as-you-go | SBA Lending |
| Subscription | Monthly | Commercial Analysis Checking |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
BankUnited product offering
Product offeringCore offering
BankUnited, Inc. is a publicly traded bank holding company that, through its subsidiary BankUnited, N.A., provides personal banking (checking, savings, money market, CDs, home equity via Spring EQ), small business banking (SBA 7(a) and other government-backed loans, PRONTO line of credit and term loan, deposit services, treasury solutions), and commercial banking (commercial real estate and construction lending, corporate treasury management, commercial card program) along with four specialty banking groups: HOA Banking, National Title Solutions, Alternative Funds Group, and Mortgage Warehouse Lending.
Product overview
BankUnited operates as a regional bank holding company offering a unified platform of consumer, small business, and commercial banking products. The portfolio is organized across three segments: Personal Banking (checking, savings, CDs, home equity via Spring EQ, and Money Manager digital tools), Small Business Banking (SBA Preferred Lender loans, PRONTO credit facilities, and Treasury Solutions), and Commercial Banking (commercial lending, corporate treasury management, Commercial Card Program, and four Specialty Groups: HOA Banking, National Title Solutions, Alternative Funds Group, and Mortgage Warehouse Lending). A generative AI chatbot called SAVI supports customer service operations. The bank also provides digital banking via online and mobile platforms including the BankUnited Lynx business portal. No public API or third-party technical integrations are documented.
Differentiator
Problem solved
Functional benefit
Products and services
- Value Checking Entry-level personal checking account with basic features and digital banking access for individual consumers.
- Vertical Rewards Premier Checking Premium personal checking account offering rewards and enhanced benefits for higher-balance individual customers.
- Essentials Checking Account Basic personal checking account designed for everyday banking needs with straightforward access for individual consumers.
- Promotional Money Market Account Money market account with promotional interest rates for short-term saving and limited check-writing access for individual consumers.
- High Yield Savings Account Savings account with competitive yields designed to grow deposits over time for individual consumers.
- Certificate of Deposit Accounts Time deposit accounts with fixed terms and rates, including promotional CD offerings such as a 12-month CD earning 3.75% APY for individual consumers.
- Home Equity Powered by Spring EQ Home equity lending product offered through a third-party partnership with Spring EQ, enabling individual consumers to borrow against residential property.
- SBA Lending Small Business Administration loan products including SBA 7(a) and other government-backed financing, delivered through the bank's SBA Preferred Lender status for small business clients.
- PRONTO Line of Credit & Term Loan Small business credit facility providing flexible access to working capital through a revolving line and term loan structure for small business clients.
- Small Business Deposit Services Checking accounts and savings, money market, and CD accounts offered to small business clients.
- Small Business Treasury Solutions Treasury management services tailored for small business clients including payment, liquidity, and cash management tools.
- Commercial Lending Solutions Full suite of commercial lending products including commercial real estate loans, construction financing, commercial lines of credit, term loans, and owner-occupied commercial mortgages for middle-market and large commercial clients.
- Commercial Treasury Management Solutions Commercial treasury management services including payment solutions, liquidity management, fraud prevention tools, payroll processing, receivables management, and deposit accounts for business clients.
- Commercial Card Program Corporate credit and prepaid card solution for businesses to manage procurement, travel expenses, and employee spending with customizable controls and reporting.
- BankUnited Lynx Business Online Banking Business online banking platform providing commercial clients access to account management, payments, wire transfers, reporting, and treasury operations.
- BankUnited Mobile Banking App Smartphone application enabling customers to check balances, pay bills, deposit checks, transfer funds, set alerts, monitor spending, and access additional banking features on iOS and Android.
- HOA Banking Specialized banking services for homeowners associations including deposit accounts, lending, and cash management tailored to HOA operations.
- National Title Solutions Specialized banking and depository services for title insurance companies and real estate closing operations.
- Alternative Funds Group Specialized banking services for alternative investment fund managers including depository, cash management, and lending solutions.
- Mortgage Warehouse Lending Specialized warehouse lending facility providing funding lines for mortgage bankers to originate and fund residential mortgages.
- Commercial Banking Overview Comprehensive commercial banking services for middle-market and large businesses including lending, treasury, industry expertise, and specialty banking solutions.
Quantifiable outcome
- 40% reduction in back-office support calls
- +4 more outcomes
Companies that use BankUnited
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles4 records
BankUnited technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature1 record
BankUnited partnerships and signals
Strategic signalScale indicators9 records
Recent moves6 records
Expansion highlights5 records
BankUnited competitors and assessment
Company assessmentDirect peers
- Synovus Financial: Synovus is a Southeast-focused regional commercial bank with comparable deposit-gathering, commercial lending, and treasury management capabilities. Closely aligned in scale, customer mix (middle-market and SMB), and geographic emphasis on the Sun Belt.
- Pinnacle Financial Partners: Pinnacle is a relationship-driven regional bank serving small and middle-market businesses with commercial banking, treasury, and specialty lending. Highly comparable in GTM (local decision-making, dedicated relationship managers) and product mix.
- Webster Financial: Webster is a commercial bank with consumer and business banking operations concentrated in the Northeast and growth markets. Comparable in commercial lending orientation, treasury management, and mid-sized regional bank profile.
- Cadence Bank: Cadence is a Southeast and Texas regional commercial bank offering comparable business lending, treasury, and specialty banking. Similar scale, multi-state footprint, and SMB/middle-market customer mix to BankUnited.
- First Horizon Corporation: First Horizon is a Southeast regional bank with strong commercial banking, treasury management, and capital markets capabilities. Similar diversified revenue model across consumer, small business, and commercial banking segments.
- Seacoast Banking Corporation of Florida: Seacoast is a Florida-focused community and commercial bank with consumer and business banking products. Highly comparable geographic concentration in Florida, competing directly for similar deposit and small business relationships.
- Wintrust Financial: Wintrust is a Chicago-based regional bank with a diversified specialty banking model including commercial, specialty finance, and wealth management. Comparable in operating a network of specialty-focused banking units alongside core commercial banking.
- Hancock Whitney Corporation: Hancock Whitney is a Gulf Coast regional bank operating across Florida, Mississippi, Alabama, Louisiana, and Texas. Similar scale, regional commercial banking focus, and overlapping geographic presence in Florida and Texas.
Broad incumbents
- Regions Financial: Regions is a larger Southeast-focused commercial bank with broader geographic reach and product set. Overlaps with BankUnited in Florida and along the East Coast, but operates at greater scale with more diversified fee businesses.
- Truist Financial: Truist is a top-10 U.S. bank with deep Southeast and East Coast presence offering consumer, small business, commercial, and wealth services. A much larger incumbent that competes with BankUnited for commercial and middle-market relationships across overlapping geographies.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
BankUnited social profiles
Digital presenceBankUnited financial estimates
Financial estimateRevenue estimate
Valuation estimate
BankUnited leadership team
Management profileNumber of profiles
Profiles15 records
BankUnited subsidiaries and ownership
Company hierarchySubsidiaries1 record
BankUnited funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BankUnited M&A and investment
M&A and investmentM&A
Investments9 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BankUnited
What does BankUnited do?
BankUnited, Inc. is a publicly traded bank holding company that, through its subsidiary BankUnited, N.A., provides personal banking (checking, savings, money market, CDs, home equity via Spring EQ), small business banking (SBA 7(a) and other government-backed loans, PRONTO line of credit and term loan, deposit services, treasury solutions), and commercial banking (commercial real estate and construction lending, corporate treasury management, commercial card program) along with four specialty banking groups: HOA Banking, National Title Solutions, Alternative Funds Group, and Mortgage Warehouse Lending.
Is BankUnited a public or private company?
BankUnited is a public company. It is classified as public and is currently operating.
When was BankUnited founded?
BankUnited was founded in 2009. It employs 1,001 to 5,000 people.
Where is BankUnited based?
BankUnited is headquartered in Miami Lakes, United States, in the North America region.
How does BankUnited make money?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income and share Repurchases.
Who are BankUnited's main competitors?
Direct peers on record are Synovus Financial, Pinnacle Financial Partners, Webster Financial, Cadence Bank, First Horizon Corporation, Seacoast Banking Corporation of Florida, Wintrust Financial and Hancock Whitney Corporation. Broad incumbents are Regions Financial and Truist Financial.
Does BankUnited have an API?
No public API is recorded for BankUnited.