Before you go
Focus on growing your business, not running it.
Optimized liquidity
Take control of your daily position with real time access to your accounts, transactions, and balances.
Improved cash flow
Improve treasury operations and drive performance through our comprehensive suite of solutions. Automate data exchange through interconnectivity and embedded finance.
Enhanced security
Protect your company from fraud using innovative and AI driven technology. Powerful decisioning tools built for real time notification and actioning for the ultimate protection on all payment types.
Accounts and sweeps
With many account types available, we will focus on evaluating your cash flow and establishing the account that fits your needs.
Loan sweep
A loan sweep simplifies daily cash positions by automatically transferring excess funds to repay your line of credit and rebalancing from your line when more cash is needed.
Information reporting
Access on-demand financial reports to help make informed business decisions. Gain a deeper perspective into your business's finances, taxes, transfers, and transaction history.
Merchant services
Customizable merchant services and business management solutions that help you navigate challenges, scale operations, deliver value, drive efficiencies, manage risk, boost customer satisfaction, and optimize sales.
Wholesale lockbox
Collect, process, and deposit customer payments sent through the mail directly into your Flagstar Bank business account. Better access to information regarding your receipts allows you to manage your inventory, credit risk, and liquidity positions much faster.
Cash vault services
Flagstar Bank’s cash vault services offers online ordering, cash delivery, and reporting. We work with your choice of armored courier to save you time and reduce risk. Simply prepare the deposit, and we'll handle the rest.
Remote deposit
Flagstar Bank's remote deposit lets you securely scan, submit, and deposit checks electronically using a desktop scanner and web app, reducing trips to the branch.
Payroll services
Make payroll efficient by providing your business payroll tools, accurate processing, direct deposit, and expert support in a cost-effective package.
ACH transactions & wires
Flagstar Bank's ACH and wire services simplify cash flow by enabling timely electronic payments, both domestic and international.
Controlled disbursement
This check presentment service gives you a daily notification of cleared check totals—viewable through online banking, and allows you to avoid potential overdrafts and manage your excess cash.
Commercial cards
Our card solutions are designed to meet a variety of commercial business needs, including purchases, travel, and accounts payable. We'll help you choose the cards—or mix of cards—that are the right fit for your business.
Account reconciliation
Flagstar Bank can reconcile commercial checking accounts through partial or full reconciliation, maintaining accurate records and reducing staff burden.
ACH and Check Positive Pay
Flagstar Bank's Positive Pay fraud prevention service matches check information at the time it is presented—notifying you of any discrepancies.
ACH debit block
ACH debit block lets you set transaction parameters for stringent payment authorization control that improves security against fraudulent ACH debit activity.