Skip to main content
Close

Before you go

You are about to leave flagstar.com. Flagstar is not responsible for the content on other sites.

Continue

Flagstar Bank

Hurricane Assistance: Flagstar is here to help those impacted and in need of relief. Learn more.

A rate that SOARS
5.00% APY1

Grow your money faster with a great savings rate.

CHECKING

Explore Flagstar
Ready Checking

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

Learn more

CERTIFICATE OF DEPOSIT

Earn up to 4.65% APY2
on a CD

Grow your savings faster with a certificate of deposit.
 

Learn more

MORTGAGE REFINANCE

Lower Your Monthly Mortgage Payments

See if refinancing your mortgage is the right move for you.
 

Learn more

We're here to help every step of the way

Icon of debit card overlaying a phone

Checking
icon of piggy bank with dollar sign

Savings
icon of tag with CD text

CDs
icon of a house with a circle dollar sign

Home Loans
icon of house with a dollar sign pointing back to the house

Home Equity
icon of pie chart with a dollar sign

Investing

MoneyWorks – Inspiration. Guidance. Support.

Image of a man and young girl gardening in front of a house
Should you hire a pro or DIY?

Your time is valuable. So is your budget. Learn the pros and cons of doing household tasks yourself versus paying someone to do them for you.
Image of two people at a table with laptops and looking at documents
Let Flagstar help you manage your bills

Bill pay is a convenient way to pay your bills. Choose when and how to pay, then relax knowing your bills are taken care of.
Image of person at a table with a coffee mug looking at their phone
How to avoid fake email scams

Scammers are getting better at sending official-looking emails. Learn how to tell the difference between the real thing and a fake.
View more articles

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

Learn more
Images of the login and alerts screens of mobile banking

Easy access to what you’re looking for

Icon of a calculator

Financial Calculators

Get the guidance you need to plan a healthy financial future with our online financial calculators.
Icon with circle and person within it

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.
Icon of a house with a circle checkmark

Mortgage Payment Relief

We have several financial hardship workout options available that may help you.
Icon of two hands shaking

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.

See more
Newsweek America's Best Regional banks award 2024

Why Flagstar?

Flagstar has been named a 2024 Best Regional Bank by Newsweek & Plant-A Insights

More about Flagstar

Image of Flagstar star logo

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.
Two people hugging in group setting

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.
Image of three people smiling in an office setting
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.

Flagstar Performance Savings

1Annual Percentage Yield (APY) is accurate as of 10/11/2024. 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 5.00%. Tier 4 $50,000.00 – $99,999.99 features an annual percentage yield of 5.00%. Tier 5 $100,000.00 – $499,999.99 features an annual percentage yield of 5.00%. Tier 6 $500,000.00+ features an annual percentage yield of 5.00%. 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.

2Annual Percentage Yield (APY). 4.35% APY is accurate as of 10/11/2024 and available as a 13-month term. 4.65% APY is accurate as of 10/11/2024 and available as a 7-month term. Fees could reduce earnings. Withdrawals may result in imposition of applicable early withdrawal penalties. $500 minimum opening deposit required. Maximum deposit is $10 million. 'New Money' is defined as funds that are not currently deposited in any account at Flagstar Bank. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply. Offer subject to change or cancellation at any time without notice. Must present offer at account opening. 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.

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.