BankUnited overdraft fee
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BankUnited's consumer schedule prints no charge when a consumer account is overdrawn, and no charge for an item paid or returned for insufficient funds or uncollected funds. The wider table is US overdraft fees by bank.
Last updated: October 22, 2026
Last checked: Oct 2026
What the consumer schedule prints
Opened 22 October 2026. The consumer schedule of fees, revised July 2025, prints No charge for an overdrawn account balance per day. It also prints No charge for items paid or returned because of insufficient funds, and No charge for uncollected funds. An overdraft protection sweep is No charge per sweep.
A stop payment on a check or ACH is $30. A deposited item charged back is $10. A dormant checking account is $15 a month after 24 months of inactivity, and that dormant checking fee does not apply to BankUnited Essentials Checking. A dormant savings account is $15 a month after 24 months of inactivity. A non-BankUnited ATM transaction is $2.50, and the ATM owner may add its own fee.
This page quotes the consumer schedule. Business accounts use a separate schedule. Do not read the consumer No charge rows as the business price. Asking the bank to remove a fee already charged is a request. The bank can say no.
The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Line | What the consumer schedule prints |
|---|---|
| Overdrawn account balance, per day | No charge |
| Item paid or returned, insufficient funds | No charge |
| Item paid or returned, uncollected funds | No charge |
| Overdraft protection sweep | No charge |
| Stop payment, check or ACH | $30 |
| Non-BankUnited ATM transaction | $2.50 |
Questions
- Does BankUnited charge a consumer overdraft fee?
- The July 2025 consumer schedule prints No charge for an overdrawn balance and No charge for an insufficient funds or uncollected funds item.
- Is the business schedule the same?
- No. Business accounts use a separate schedule. This page quotes the consumer schedule only.
- Is there a fee for an overdraft protection sweep?
- The consumer schedule prints No charge per sweep.
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