Convenient, everyday no minimum balance checking

You can set up direct deposit by giving your employer or benefits provider Flagstar’s routing number and your Ready Checking account number. Once it’s set up, your paycheck or benefits will automatically go into your account.

Yes, when you open a Flagstar Ready Checking account, you’ll receive a Flagstar Visa^® Debit Card.¹ You can use it to make purchases online or in person, pay bills, and withdraw cash from over 56,000 in-network ATMs.²

You can reduce the $10 monthly service fee to $5 with any ONE of the following or fully waive it with any TWO of the following:

• Enroll in electronic statements
• $500 or more in total direct deposits (ACH credits) each statement cycle
• $1,000 or more average balance each statement cycle
• Primary account holder is 24 years old or younger⁵

Yes — you can open a Ready Checking account online. Whether you open an account online or at a branch, please have the following information available:

• Name
• Address
• Mobile phone number (to verify your identity if you open an account online)
• Date of birth
• Social Security number or other identification number
• Valid identification (such as driver's license, state ID, or passport)

Flagstar Ready Checking is a no minimum balance checking account with a low monthly fee that can be waived. Unlike some checking accounts that require you to keep a certain balance, this account is designed to be flexible for everyday use.