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Top banking FAQs

What is Flagstar Bank's ABA/routing number?

Flagstar Bank's ABA/routing number is 272471852.

Where are the ABA routing number and account number on my checks?

To set up direct deposit or automatic payment, send or receive a wire transfer, or to reorder checks, you will need Flagstar's ABA number and your account number. The image below shows the location of the ABA check routing number and account number.

ABA and Account Number Shown
Are my deposit accounts FDIC insured?

FDIC insurance covers individual customer accounts up to $250,000. For information on coverage available, please visit the official FDIC website at fdic.gov.

My card was lost or stolen. Now what?

In order to protect yourself from possible fraud, please take the following actions:

  1. Contact Flagstar Customer Service at (888) 248-6423 as soon as you realize your card is lost or stolen. We will place an immediate restriction on the card so it cannot be used and we will also order you a new card. ATM cards are available at your local branch and can be issued and activated during your visit. Flagstar charges $5 to replace a Visa Debit card.
  2. Review your recent transactions to ensure no fraudulent activity has occurred. It may be necessary to file a fraud dispute.
See all banking FAQs
See all online and mobile banking FAQs

Top loan FAQs

Why were my payments applied late when I have an online bill payment service and the funds were deducted from my account on the fifth of the month?

The bill payment service withdraws the amount due from your account and sends a check to Flagstar. This process may take approximately two weeks before the check posts to your account.

Where should my mortgage payment be sent if I don't have a mortgage coupon?

Payments without a mortgage coupon should be mailed to:

Flagstar Bank

P.O. Box 660263

Dallas, TX 75266-0263

 

*Please include your loan number on the check

Why was my mortgage sold to another lending institution?

The transfer and sale of mortgages is common in the mortgage industry. It fulfills the need of investors and makes funds available for other homebuyers.

How do I know if I qualify for a home loan?

Your best option is a home loan conditional approval—an evaluation of your credit worthiness based on your income, assets, debts and past credit use. To obtain your home loan conditional approval today, apply now with our quick and easy online application. If you have other home loan questions, call a Flagstar Bank home loan advisor at (855) 372-5626 or visit your local branch.

See all home loan FAQs
See all loan servicing FAQs

Contact us

Personal banking

 

Banking including online, loan, and account support

(888) 248-6423

Monday-Friday: 7:30 a.m.-9 p.m. ET

Saturday: 8:30 a.m.-6 p.m. ET

 

24-Voice Phone Banking

(888) 248-6423

 

Overdraft lines of credit, deposits and/or

bounce protection payments

Flagstar Bank

301 West Michigan Avenue, 4-501

Jackson, MI 49201

 

Holiday schedule

Loan support

 

Loan servicing/MyLoans® support

(800) 968-7700

Outside the US: 1 (248) 312-6500

Monday-Friday: 7:30 a.m. to 8 p.m. ET

Saturday: 7:30 a.m. to 4 p.m. ET

 

24-Hour loan servicing/MyLoans support

(800) 968-7700

 

Home loan financial hardship questions/issues

(800) 393-4887

Monday-Friday: 8:30 a.m. to 9 p.m. ET

 

Mortgage lending

(855) 372-5626

Monday-Thursday: 8 a.m. to 9 p.m. ET

Friday: 8 a.m. to 7 p.m. ET

Saturday: 10 a.m. to 4 p.m. ET

Apply for a home loan

 

Construction, personal loans, home equity lines of credit, and mortgage payments

Flagstar Bank

P.O. Box 660263

Dallas, TX 75266-0263

 

Holiday schedule

 

Notice of Error (NOE) or Request for Information (RFI) – If you believe there is an error (“Notice of Error”) or if you need additional information (“Request for Information”) relating to the servicing of your mortgage loan, you must send a written Notice of Error or Request for Information to the following address: Flagstar Bank, Attn: NOE/RFI, 2B-116, 5151 Corporate Drive, Troy, MI 48098-2639. Your Notice of Error or Request for Information must include your name, loan number, and sufficient detail to inform Flagstar of the basis of your Notice of Error or Request for Information.

Business and commercial

 

Commercial/business banking support

(888) 248-6423

Monday-Friday: 7:30 a.m. to 9 p.m.

Saturday: 8:30 a.m. to 6 p.m.

 

24-Voice Phone Banking

(888) 248-6423

 

Treasury Management

(888) 757-1140

Monday-Friday: 8:30 a.m. to 5 p.m. ET

 

Warehouse Lending
(800) 642-0039
Monday-Friday: 8:30 a.m. to 9 p.m. ET

 

Commercial loan payments

Flagstar Bank

5151 Corporate Drive, E-203-1

Troy, MI 48098

 

Government/Public funds banking

(888) 254-5417

Monday-Friday: 8 a.m. to 4:30 p.m. ET

 

Wholesale lending

(866) 945-9872

Monday-Friday: 8:30 a.m. to 9 p.m. ET

 

Holiday schedule

Forms

Banking forms

  • Account Deposit Slip
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View all banking forms

Loan forms

  • Third-Party Authorization 
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  • Escrow Waiver Request
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View all loan forms

 

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Please note: We're committed to protecting your personal account information. As a security precaution, please exclude personal or confidential information when communicating with Flagstar online. We're happy to respond to general questions, but are unable to release account-specific information.

 

Banking customers: To obtain account information, please log in to personal online banking or business online banking to send us a secure message. If you are unable to log in, please call us for assistance.

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Flagstar has been named one of the Top 100 Banks by GOBankingRates.
Flagstar has been named one of the Top 100 Banks by GOBankingRates.
Flagstar is proud to be recognized by Forbes as one of America’s Best Banks.
Flagstar is proud to be recognized by Forbes as one of America’s Best Banks.