Thank you for banking with Flagstar. This comprehensive guide answers questions about rates, check orders, ATM cards, account changes, online banking and much more — all the information you need to take full advantage of Flagstar services.


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Deposit Options:

How do I access my money?

How do I make deposits into my account?

When are deposits available for withdrawal?

Can I make a deposit in the ATM?

What is direct deposit?

How do I set up direct deposit?

What is the difference between my Balance and my Available Balance?

What is an ACH and how does it benefit me?

How do I request a one-time ACH debit from my other account to my Flagstar account?

What is a wire transfer?

What is the cost for domestic and foreign wire transfers?

What information do I need to complete a wire transfer?

How do I request a wire transfer?

When will my funds be sent?

How do I check the current interest rates on my existing accounts?

How do you calculate interest on my account?

How is my interest rate determined?

Will I receive notifications of changes to my account interest rate?

What is Flagstar Bank's ABA/routing number?

Is there a fee for closing my account?

Debit/ATM Cards:

How do I order a Flagstar ATM or Debit card?

How do I activate my ATM/Debit card?

How do I change the PIN on my ATM/Debit card?

I can’t remember my PIN. How do I re-set it?

How do I report a lost/stolen card?

My card is blocked. What do I do now?

I don’t recognize a transaction on my account. Who do I contact?

My card is damaged. How can I get a replacement card?

Where can I make deposits to an ATM?

Can I use my ATM/Debit card outside of the U.S.?

Can my ATM/Debit card be used at gas stations?

My total purchase at the restaurant doesn’t appear in my pending amount on my statement. Why?

The amount pending on my hotel reservation is more than what I anticipated. What happened?

What is a CVV code?

Your Certificate of Deposit (CD) Account:

My CD has matured. How should I proceed?

How do I renegotiate my certificate?

How do I renew my certificate?

Can I add money to my CD?

How do I close my CD?

Is there a penalty for early withdrawal?

Can I receive interest disbursements from my CD account?

How does receiving interest disbursements change my interest rate?

How is my interest calculated?

Daily calculation

Annual Percentage Yield (APY)

Interest Distribution

What is my current interest rate/APY?

Can I set up my CD account with online banking?

Your Mortgage Account:

How do I pay my mortgage using MyLoans?

Not all devices may be supported.  Customer eligibility required.  Personal customer checking and savings accounts only.  Must be an active personal online banking user.  Must be a customer for a minimum of two months.  SimplyOne, Next Step, and Next Step 2 account holders are not eligible.  Accounts must be in good standing. Mobile check deposit terms & conditions.

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