Skip To Main Content
FDIC

FDIC Insured - Backed by the full faith and credit of the U.S. Government

white piggy bank with graph

ONLINE MONEY MARKET ACCOUNT

High interest. Easy access. And savings you can count on.

Earn a higher rate on your savings and maintain liquid access to your funds. Whether you prefer to keep cash at your fingertips, or you're working towards a bigger savings goal, you can open a BankUnited Online Money Market and earn high-yield interest rates without sacrificing liquidity.
Open an Account
Icon_Money Market Account

ONLINE MONEY MARKET ACCOUNT

0.75 % APY*
ON ALL BALANCES $2,500 minimum opening deposit Open an Account

Why open a BankUnited Online Money Market Account?

graph-increase
Earn 5X the national average2
FDIC-insured3 for your peace of mind
fixed-rate-of-return
24/7 secure access to funds
fdic-insured
Open online in as few as 5 minutes

GET STARTED WITH 3 EASY STEPS!

Got five minutes? That’s about all the time you’ll need to get started on our quick and seamless online account application.

1-gradient-circle

APPLY

Just give us a few basics (like address and social security number), and we’ll get the ball rolling for you.
2-gradient-circle

FUND ACCOUNT

Send an opening deposit by mail, mobile deposit4 or online transfer.
3-gradient-circle

START BANKING

Set up online banking and watch your money grow.

EASILY MANAGE YOUR MONEY ON THE GO

Our digital app helps you easily manage your funds securely from wherever you are.

  • Fast Cash — Get funds on the go with one of our no-fee ATMs near you5
  • Mobile Check Deposit — Easily deposit a check into your account by snapping a photo with your smartphone6
  • Simple to Use — Check on your funds easily. Anytime. Anywhere.
Learn More

READY TO BOOST YOUR SAVINGS?

Have questions about our Online Money Market Account?

1Annual Percentage Yield (APY) is accurate as of 2/5/2022. The interest rate and APY are variable and are subject to change at any time before or after account opening at our discretion without notice. Minimum to open the account is $2,500.00. Maximum opening deposit per account is $250,000.00. A $15.00 monthly maintenance fee will be assessed if the daily balance falls below $2,500.00. A $15.00 early closeout fee will be assessed if the account is closed within 180 days of opening date. Fees may reduce earnings. Transaction limitations apply. Additional fees, terms and conditions may apply. Please refer to our Depositor’s Agreement and applicable Schedule of Fees for additional information. Advertised rates are for accounts opened online through BankUnited only. Other rates may be in effect for accounts opened in person at a BankUnited branch, by mail or other remote means. Please contact a BankUnited representative at (844) 365-5720 for additional details. Offer is for consumer accounts only.

2The national average is based on the APY average for high-yield savings accounts with a minimum balance of at least $2,500 offered by the top 50 U.S. banks (ranked by total deposits) as reported by Informa Financial Intelligence, www.informars.com . Informa has obtained the data from various financial institutions that it tracks and its accuracy cannot be guaranteed. All APYs are subject to change. National average rate effective as of February 5, 2022. Our rate for purposes of this comparison as of February 5, 2022.

3To the maximum allowed by law. Today’s standard limit on FDIC insurance coverage is set at $250,000 per depositor, per insured bank, for each account ownership category. All deposit accounts opened through BankUnited are combined with other deposit accounts held in the same ownership category at BankUnited, N.A. for purposes of calculating your Federal Deposit Insurance Corporation (FDIC) insurance coverage. For more information about FDIC insurance coverage please visit www.fdic.gov.

4Use of the Mobile Deposit feature requires a supported camera-equipped device and an eligible BankUnited account. Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and other restrictions apply. Availability may be affected by your mobile carrier’s coverage area. BankUnited does not charge a fee for Mobile Banking, however, third party message and data rates may apply. These include fees your mobile carrier may charge you for data usage and text messaging services. Also, a supported mobile device is needed to use the Mobile app.

5BankUnited customers can now use their BankUnited ATM/Debit Card to withdraw money at any Allpoint ATM surcharge-free. Any transaction conducted at a non-proprietary ATM (outside of the Allpoint network) will be charged a service fee. Fees charged by the owner/operator of the non-proprietary ATM may also apply. For more information and to locate an Allpoint Network ATM, please visit https://www.allpointnetwork.com.

6Use of the Mobile Deposit feature requires a supported camera-equipped device and an eligible BankUnited account. Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and other restrictions apply.