Personal Banking Accounts*
Flagstar’s single-point-of-contact service extends from commercial to individual clients. We assist our business clients and their senior leaders with hands-on deposit, credit, investment, and wealth management solutions.
INTERNET BANKING & BROKERAGE LOGIN
RTN/ABA: 026013576
Swift code: SIGNUS33
FDIC insured checking accounts and money market accounts
Account Type |
Minimum Balance Requirement |
Monthly Charge |
Transaction Fee (Monthly) |
Features |
Debit/ATM Card |
|---|---|---|---|---|---|
|
PERSONAL CHECKING |
$4,000 checking or $15,000 combined Flagstar Bank and Flagstar Advisors1 account balances |
$20 if below Minimum Balance Requirement |
None |
|
Debit Mastercard® Debit or ATM card |
|
MONOGRAM PERSONAL CHECKING |
$5,000 checking or $25,000 combined Flagstar Bank and Flagstar Advisors1 account balances |
$30 if below Minimum Balance Requirement |
None |
|
Debit Mastercard® Debit or ATM card |
|
MONOGRAM INSURED MONEY MARKET ACCOUNT |
$5,000 |
$20 if below Minimum Balance Requirement |
None (Transaction limits apply. Refer to the Personal Bank Account Agreements and Disclosures.) |
|
ATM card or link to Flagstar Bank debit card through checking account |
|
PERSONAL NOW |
$10,000 |
$25 if below Minimum Balance Requirement |
None |
|
Debit Mastercard® Debit or ATM card |
|
BASIC CHECKING |
None |
$3 |
None |
|
Debit Mastercard® Debit or ATM card |
Additional fees may apply. Fees are subject to change and may vary depending on how an account is utilized, the products and services received, and a client’s relationship needs. For more information about fees, rates, and other services, please contact your Private Client Group or visit one of our Financial Centers.
Checking and money market accounts
Account Type |
Minimum Balance Requirement |
Monthly Charge |
Transaction Fee (Monthly) |
Features |
Debit/ATM Card |
|---|---|---|---|---|---|
|
MONOGRAM MONEY MARKET FUNDS PROGRAM3 |
$25,000 |
$20 if below Minimum Balance Requirement |
None |
|
ATM card or link to Flagstar Bank debit card through checking account |
Additional fees may apply. Fees are subject to change and may vary depending on how an account is utilized, the products and services received, and a client’s relationship needs. For more information about fees, rates, and other services, please contact your Private Client Group or visit one of our Financial Centers.
Capitalized terms used in the table above have the same meaning as provided in the Personal Bank Account Agreements and Disclosures.
Important Information about Overdraft and Returned Item Fees
The Bank does not charge Overdraft or Returned Item Fees for Personal Accounts as of September 1, 2022.
Type |
Amount |
Additional Details |
|---|---|---|
|
Overdraft Fee4 |
$0 |
An overdraft occurs when the Bank pays an item and the Available Balance in your account is not sufficient to cover the item. The Bank does not authorize ATM or Debit Card transactions for Commercial and Private Banking accounts that do not have sufficient Available Balance to pay. The Bank does not charge Overdraft Fees for personal Commercial and Private Banking accounts; however, you may still see an Overdraft Fee of $0 on your statement for each instance the Bank, in its sole discretion, pays an item causing overdraft. |
|
Returned Item Fee4 |
$0 |
The Bank no longer charges Returned Item Fees for personal accounts; however, you may still see a Returned Item Fee of $0 on your statement for each instance in which the Bank, in its sole discretion, returns an item presented when your Available Balance is less than the amount of the item. |
Capitalized terms used in the table above have the same meaning as provided in the Personal Bank Account Agreements and Disclosures.
Looking for career opportunities with Flagstar Commercial and Private Banking?
*Products and services offered by Commercial & Private Banking are exclusive to Flagstar Bank Commercial & Private Banking clients. Certain services may not be available in all markets and for all Flagstar Bank commercial clients.
1Flagstar Advisors, Inc., Member FINRA/SIPC, is a registered broker-dealer, registered investment adviser, and licensed insurance agency. Flagstar Advisors is a wholly owned non-bank subsidiary of Flagstar Bank, N.A.
2Flagstar Bank will reimburse ATM fees charged by another bank when using an ATM located in the U.S. For tax purposes, you will receive an IRS form from Flagstar Bank for the total amount of any reimbursement received in any calendar year.
3Monogram Money Market Funds Program Accounts are offered through Flagstar Advisors, Inc. Flagstar Advisors, Inc., Member FINRA/SIPC, is a registered broker-dealer, registered investment adviser, and licensed insurance agency. Flagstar Advisors is a wholly owned non-bank subsidiary of Flagstar Bank, N.A. Investments and Insurance: ARE NOT INSURED BY THE FDIC, THE FEDERAL GOVERNMENT OR ANY OTHER FEDERAL GOVERNMENT AGENCY, BY FLAGSTAR BANK, OR BY ANY AFFILIATE OF FLAGSTAR BANK, ARE NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, FLAGSTAR BANK OR AN AFFILIATE OF FLAGSTAR BANK, AND ARE SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL INVESTED.
4Each presentment and submission is treated as a separate and new item.
Flagstar Bank N.A. and Flagstar Advisors, Inc. comply with Section 326 of the USA PATRIOT Act. This Federal law mandates that Flagstar Bank and Flagstar Advisors, Inc. obtain, verify, and record certain information about you while processing your account application. The information obtained will be used to verify your identity and may include your name, residential address, date of birth, Social Security number, driver’s license or other identifying documents.