Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have maintained a vertical checking account with BankUnited for over 10 years. I always keep a balance of at least $ XXXX {$19000.00} to cover expenses and for my daily living. On the morning on XX/XX/year>, I had an available balance of {$24000.00}. I had set up a draft with XXXXXXXX XXXX to open a promotional money market account with an apy of 4.50 % guaranteed for 6 months. On that same day, XX/XX/year>, I deposited a CASHIER 'S CHECK to a teller from We Financial Florida for {$100000.00}. The BankUnited policy states : " If you make the deposit in person to one of our employees, funds from the following deposits are also available no later than the first business day after the day of your deposit : - State and local government checks that are payable to you if you use a special deposit slip that is available upon request from a teller Cashiers, certified, official, tellers and travelers checks that are payable to you if you use a special deposit slip that is available upon request from a teller ( which I asked for. ) I had a long discussion with the branch manager regarding the fact that I had authorized a withdrawal of {$10000.00} from this account which had an available balance of over {$24000.00}. She ASSURED me that my current balance would be available. She also VIOLATED BankUnited 's policy by putting a 9 day hold on this CASHIER 'S. BankUnited then processed to prevent me from accessing ANY of my funds including but not limited to my available balance of {$24000.00}. Basically, they froze my accounts causing my draft from XXXXXXXX XXXX to be rejected for NSF. My plan was to deposit hundreds of thousands of dollars in this account because of the guaranteed 4.55 % apy. I had a CD mature on XX/XX/year>, for over {$100000.00}, which was due to be transferred to XXXXXXXX XXXX A NSF check, ACH or a check that bounces due to insufficient funds, will have a range of consequences for me at the very least, an NSF check has resulted in embarrassment, hours of wasted time and inconvenience. At worst, it can lead to legal complications, fines, and under Florida law, any check returned from a bank stamped " NSF '' ( Non-Sufficient Funds ), " Insufficient Funds, '' " No Such Account, '' " Account Not Found, '' or " NSF Unless Otherwise Indicated '' is a worthless check that XXXX be subject to prosecution under Florida 's criminal statutes. I could be subject to jail time. 
This probably damaged my credit score. XXXXXXXX XXXX  can and probably has reported the delinquent account to credit bureaus, which will negatively impact my credit score and make it harder for them to obtain credit in the future. It will also be reported to XXXX making it virtually impossible for me to open new bank accounts. I know this from previous experience with an error made by XXXX XXXX XXXX. It took me many hours and months to restore my stellar reputation. Without a doubt this has severely damaged my reputation, especially since I am business owner and a well-respected licensed physician. It has made me appear untrustworthy and unreliable, which has harmed my personal and professional relationships. 
It also prevented me from making any purchases by check or pay bills ; thus, I will incur late fees because I can not pay my XXXX credit card bill which is over {$10000.00}. The payment will be late. I will be charged interest and a late fee. 
They have sent me MULTIPLE texts, emails, messages telling me my account is OVERDRAWN.

Company response to consumer: Closed with explanation