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Flagstar Bank

Earn up to $5001 when you refer friends and family to Flagstar. Learn more

Lock in a CD rate up to 4.20% APY2

Rates this high won’t last forever. Don’t miss out. Open a CD today.

Explore products designed to fit your lifestyle

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Checking
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Savings
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CDs
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Credit Cards
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Home Loans
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Home Equity

Current offers and promotions

CHECKING

Explore Flagstar
Ready Checking

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

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SAVINGS

Earn 4.00% APY3 with Flagstar Performance Savings

Grow your money faster with a great savings rate.

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HOME EQUITY LINE OF CREDIT

Get more done
with a HELOC

Have big goals? A home equity line of credit could help you reach them.

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CREDIT CARDS

Credit cards that fit your lifestyle

Experience low introductory rates, cash back, rewards, and more.

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Ideas to manage and grow your money

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Young adults are hit hardest by scams

Scammers target everyone, but 18- to 24-year-olds pay more than any other group. Stay a step ahead with these tips.
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Hit the ATM. Skip the fee.

How can you tell if an ATM is in the Flagstar network? Find out what to look for and learn how fees work when you travel abroad.
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Shop local and make a lasting impact

Small Business Month is a great time to rediscover the shops and restaurants that make your town unique. See how your purchases create a ripple effect.
View more articles

Bank on the go with our  Mobile App4

Our Mobile App lets you pay bills, move money, deposit checks,5 and much more. Add this easy-to-use app to your Android or iPhone and manage your money on your schedule.6

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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.

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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.

Learn more
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1View terms and conditions

Certificate of Deposit

2Annual Percentage Yield (APY). 4.20% APY is accurate as of 5/16/2025 and available as a 6-month term. Fees could reduce earnings. Withdrawals may result in imposition of applicable early withdrawal penalties. $2,500 minimum opening deposit required. Maximum deposit is $10 million. Deposited funds must be “new money,” which is defined as money that is not currently on deposit in any Flagstar Bank account (except maturing CDs). Not available for public units. Certain restrictions, including area restrictions, may apply. Offer subject to change or cancellation at any time without notice. Limited time offer. Important information will be provided to you in the disclosures you receive during the account opening process. Please contact your local branch for more information.

Flagstar Performance Savings

3Annual Percentage Yield (APY) is accurate as of 5/16/2025. Tier 1 $0 – $9,999.99 features an annual percentage yield of 0.10%. Tier 2 $10,000.00 – $24,999.99 features an annual percentage yield of 0.10%. Tier 3 $25,000.00 – $49,999.99 features an annual percentage yield of 4.00%. Tier 4 $50,000.00 – $99,999.99 features an annual percentage yield of 4.00%. Tier 5 $100,000.00 – $499,999.99 features an annual percentage yield of 4.00%. Tier 6 $500,000.00+ features an annual percentage yield of 4.00%. The interest rate(s) and annual percentage yield(s) are variable and may change at any time before or after the account is opened. Initial minimum opening deposit to earn the higher interest rate on the Flagstar Performance Savings account is $25,000 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 90 days of the approval date, and (ii) early account closure fee may be imposed for accounts closed within 180 days. 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. The maintenance service charge will be waived if you are the tax reported owner on this account and you are an owner on a Flagstar personal checking account. 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.

4Not all devices supported. Available for eligible personal and business deposit account customers only.

5Not 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.

6Apple 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.