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Flagstar Bank

Lock in a CD rate up to 4.20% APY1

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

How can we help you?

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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
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Wealth*

You might be interested in:

GROW YOUR SAVINGS

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High-interest savings

Earn 4.00% APY2 with Flagstar Performance Savings

Learn more

GET REWARDED

 

Refer a friend and earn up to $5003

Get rewarded when you refer your friends & family to Flagstar.

Learn more

USE YOUR HOME'S EQUITY

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Get more done
with a HELOC

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

Learn more

START YOUR PLAN

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Start planning your financial future*

Planning for education, retirement, cash flow, inheritance, and more.

Learn more

*Investment products are not insured by the FDIC, are not deposits, and may lose value

Manage, grow, and protect your money

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Fraud Alert: Protect yourself from scams

Stay alert. Don’t share personal information. Don’t fall for it.
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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.
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Stay in the know with Account Alerts

Monitor your account transactions, payment reminders, and more.
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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.
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Bank on the go with our  Mobile App4

Our Mobile App lets you pay bills, send money with Zelle,® 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

Learn more
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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.

See more

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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Certificate of Deposit

1Annual Percentage Yield (APY). 4.20% APY is accurate as of 5/24/2025 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

2Annual Percentage Yield (APY) is accurate as of 5/24/2025. 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.

3View terms and conditions

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.