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Let the numbers
do the talking.
5.55% APY1

Earn 5.55% APY1 guaranteed for 5 months when you open a Promo Flagstar Savings Plus account.

CHECKING

Explore Flagstar
Ready Checking

A checking account that is ready for whatever is around the corner.
 

CERTIFICATE OF DEPOSIT

Earn up to 5.50% APY2
on a CD

Grow your savings faster with a certificate of deposit.
 

HOME LOANS

Lending solutions
for what's next

Buying a home or taking cash out? We’re here to help.
 

Start saving today

Savings Accounts

Let's turn wishful thinking into active doing. Reach your goals with a Flagstar savings account.

Savings Calculators

Whether you want to analyze your current savings plan or are starting for the first time, our financial calculators can help you reach your goals.

Budgeting and Saving

Whether you're building an emergency fund or saving for your dream home, we have tips and strategies to help you boost your efforts.

MoneyWorks – Inspiration. Guidance. Support.

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Adulting tips from real-life bankers

Flagstar bankers have words of wisdom for young adults and anyone who wants help managing money. 

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Account Alerts: Know where your money goes

Use our interactive demo to learn how to set up email or text alerts for your account. 

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Build your goal-setting muscle

This month’s 30-day challenge is about setting financial goals and creating a plan to make them happen.

Bank on the go with Mobile Banking.3

Mobile Banking lets you pay bills, move money, deposit checks,4 and much more. Add this easy-to-use app to your Android or iPhone and manage your money on your schedule.5

Easy access to what you’re looking for

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Financial Calculators

Get the guidance you need to plan a healthy financial future with our online financial calculators.

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Home Loan Advisors

Our experienced home loan advisors can help you find the right home loan for your situation and guide you through the process.

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Mortgage Payment Relief

We have several financial hardship workout options available that may help you.

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Emergency & Disaster Relief

In times of emergency, Flagstar Bank has mortgage relief programs in place to help you.

Get answers fast

Our routing number is 226071004.

 

Note: If you have existing transactions that use a previous routing number, they will continue to be processed as usual. This includes checks, direct deposit, automatic withdrawals, etc.

 

The next time you order checks, please use the routing number above.

Call 888-248-6423 and select option 2 for Card Support if your ATM or Flagstar Visa® Debit Card is missing. We will restrict the card from being used and send you a new card.

 

If you think you simply misplaced your card, you can use Debit Card Controls to put a freeze on it and block unauthorized use. Sign in to Online Banking, select Profile and Settings, then Debit Card Controls.

Online Banking is available for personal checking, savings, certificates of deposit, money market accounts, and select loans. Business customers can access Online Banking for select accounts, too.

 

Once you open an eligible account with us, you can sign up for Online Banking here. Next, use your smartphone to download Flagstar Mobile Banking from Google Play or Apple's App Store. Once it’s installed, use the same username and password that you use with Online Banking to log in.

 

If you have a mortgage with Flagstar Bank, sign up for MyLoans® to make payments, view account history, and more. Sign up for MyLoans.

Why Flagstar?

Flagstar has been named one of the Top 100 Banks by GOBankingRates.

More about Flagstar

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About Flagstar

Flagstar Bank is a diversified, commercial bank grounded in building relationships to meet clients where they are on their financial journeys, both personal and business.

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Community Involvement

Flagstar is committed to meeting the banking and credit needs of the communities where we do business, including low- and moderate-income neighborhoods.

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Diversity, Equity, and Inclusion

We understand the importance of having employees, clients, and suppliers who share various backgrounds and views. Learn more about how Flagstar actively encourages DEI in the workplace.

Promo Flagstar Savings Plus 5.55% APY 

1Annual Percentage Yield (APY) is accurate as of 5/20/2024. Tier 1 $25,000.00 - $999,999,999.99 features an annual percentage yield of 5.55%. Tier 2 $0 - $24,999.99 features an annual percentage yield of 0.10%. Initial minimum opening deposit to earn the higher interest rate on the Promo Flagstar Savings Plus account is $25,000.00 and must be “New Money,” which is defined as money that is not currently on deposit in any Flagstar Bank account (except maturing CDs). Additionally, (i) account must be funded within 60 days of the approval date and (ii) early account closure fee and reclamation of interest paid may be imposed for accounts closed within 180 days. The 5.55% APY is guaranteed for the first 5 months after account opening. After the promotional period, the account will earn the posted interest rate of the Flagstar Savings Plus accounts, which is a variable rate and subject to change. A maintenance service charge of $15 will be imposed every statement cycle if the average daily Collected Balance in the account is less than $10,000. This charge may be waived if the account is linked to any Flagstar Bank personal checking account. Not available for public units. Fees may reduce earnings. Personal accounts only. Limited time offer. Area restrictions may apply. If you are a Private Bank client, please contact your Private Client Group to enroll.

7-Month CD

2Annual Percentage Yield (APY). 5.50% APY is accurate as of 5/20/2024. 7-month term available. Fees could reduce earnings. Withdrawals may result in imposition of applicable early withdrawal penalties. $500 minimum opening deposit required. Maximum deposit is $10,000,000. Funds currently deposited in accounts at Flagstar Bank are not eligible for the promotional interest rate. Additional deposits not allowed during CD term. Not available for public units. Certain restrictions may apply. Offer subject to change or cancellation at any time without notice. Cannot be combined with any other CD offer. Must present offer at account opening. Limited-time offer. Area restrictions may apply. Please contact your local branch for more information.

3Not all devices supported. Available for eligible personal and business deposit account customers only.

4Not all devices supported. Available for eligible personal and business checking and savings account customers only. Must be an active mobile banking user. Must be a customer for a minimum of two business days. Accounts must be in good standing.

5Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android, Google Play, and the Google Play logo are trademarks of Google Inc.