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Banking FAQs

General Account FAQs 

Our routing number is 226071004.

 

Note: If you have existing transactions that use a previous routing number, they will continue to be processed as usual. This includes checks, direct deposit, automatic withdrawals, etc.

 

The next time you order checks, please use the routing number above.

You can find your account number in the following places:

  • On your checks (checking and money market accounts only)
  • Online Banking
  • Flagstar Mobile Banking

Visit our branch locator to find a branch near you. Check the Branches box to filter out ATMs and loan centers and see nearby branches only. 

There are many ways to check your account balance:

  • Call our automated system anytime: 888-248-6423
  • Visit an ATM
  • Sign in to Online or Mobile Banking
  • Use the instant balance feature in Mobile Banking
  • And you can always stop by a branch to get your balance in person

Current balance is the total amount of funds in your account from posted transactions. The balance may include funds that are not yet available for withdrawal for reasons such as check holds or pending debit card transactions.

 

Available balance refers to the funds in your account that are available for withdrawal. In general, it is your current balance minus any outstanding holds. Common transactions causing outstanding holds include check deposits and temporary holds from debit card transactions. Your bounce protection limit and/or funds from any accounts you have linked to your account for overdraft protection (for example, a linked account and/or an overdraft line of credit) will never be included in your current balance or available balance.

An automated clearing house (ACH) transaction is a fast, secure way to transfer funds. You can move money from a Flagstar checking or savings account to your account at another financial institution or from another financial institution to your Flagstar account.  

 

Some household bills can also be set up as ACH withdrawals so you can pay them without sending a check.

Before you order new checks, have our routing number (226071004), your account number, and your zip code available. Here are three ways to order checks anytime, day or night:

  • Visit the Harland Clarke website at ordermychecks.com
  • Call 800-355-8123
  • Sign in to Online Banking, select your account, then More Actions, then Order Checks

You can call 888-248-6423 or visit a Flagstar branch.

If you’ve selected electronic delivery for your tax documents, they will be available in Online or Mobile Banking. After you sign in, select e-Documents, then Continue. 

 

Otherwise, your tax forms will arrive in the mail. 

Yes! Flagstar is an FDIC-insured bank, which means customer deposits are insured up to at least $250,000 per depositor. You could have more than $250,000 with us and still be fully insured, provided your accounts meet certain requirements.

 

However, FDIC insurance does not apply to safe deposit boxes or certain investment products purchased through Flagstar Wealth Services.

 

For more information, please contact our Customer Service Center at 888-248-6423, stop by a branch, or visit the FDIC website at fdic.gov.

Here are a few ways to tell:

  • At the beginning of the call, Flagstar employees will identify themselves, Flagstar Bank, and the reason for the call.
  • We will never ask for your full Social Security number or your password.
  • We may contact you if we detect unusual activity on your debit card.
  • Calls will be made only during the hours your state allows. 

In most cases, calls from Flagstar will come from 800-945-7700.

Sign in to Online Banking, then select your account to go to the Account Detail page. From there, select Account Information, where you’ll see your interest rate.

 

You can also call Flagstar Customer Service at 888-248-6423.

ATM and Debit Card FAQs 

Call 888-248-6423 and select option 2 for Card Support if your ATM or Flagstar Visa® Debit Card is missing. We will restrict the card from being used and send you a new card.

 

If you think you simply misplaced your card, you can use Debit Card Controls to put a freeze on it and block unauthorized use. Sign in to Online Banking, select Profile and Settings, then Debit Card Controls.

ATM cards: You can use your ATM card at an ATM to make a deposit, withdraw cash, and check your balance. However, you cannot use it to make purchases online or at a store.  Flagstar is no longer issuing new ATM cards. A debit card can be provided with limitations placed on it so that it only functions like an ATM card. If you already have a Flagstar ATM card, you can continue to use it until the expiration date.   

 

Debit cards: Flagstar Visa® Debit Cards are available for your checking or money market account. Whenever you use it, the funds are automatically withdrawn from the account.  Your debit card can do the same things an ATM card can do—plus, you can use it to pay bills or make purchases online, in stores, and wherever Visa is accepted. 

Yes. When making a deposit, always use a Flagstar ATM, either at a branch or a stand-alone one. It’s the most efficient and secure way to get your money where it needs to go. 

CVV stands for card verification value. It’s a three-digit number on your credit or debit card that offers an extra layer of security against fraud. Typically, you provide it when paying for something online or over the phone. 

ATM cards: Flagstar is no longer issuing new ATM cards. A debit card can be provided with limitations placed on it so that it only functions like an ATM card.  

 

Debit cards: Order a new debit card at a branch or call Flagstar Customer Service at 888-248-6423 during regular business hours. It usually takes 7-10 business days to receive your new debit card.  

Call 844-576-7254 to activate your card and create a PIN. The new card will have a sticker with this number on it, too. 

 

Outside the U.S., call 248-312-2123 and choose option 2 for Card Support. 

You can change your PIN at any Flagstar ATM or call our automated phone system at 888-248-6423 and choose option 2 for Card Support. 

A chip-enabled credit or debit card has a built-in microchip for extra protection against theft.

 

When you pay for something with a chip-enabled card, the microchip generates a unique code for that purchase, which prevents thieves from making a counterfeit version of your card. There’s also a magnetic stripe on the back to stop card readers from stealing your information. 

Yes, you can use your card in most countries, anywhere Visa is accepted. Before you travel, let us know that you’ll be using your card internationally so we can tell you about any limitations for that country.  

 

You can reach Flagstar Customer Service during regular business hours at 888-248-6423. 

Before you leave, let us know that you’ll be using your card internationally so we can tell you about any limitations for that country.  

 

You can reach Flagstar Customer Service during regular business hours at 888-248-6423

Yes, there is a fee to convert U.S. dollars to the currency of the country you’re visiting.

 

Another fee could come from using an ATM outside our network. Flagstar customers have free access to 56,600+ ATMs in the AllPoint and Presto global networks, so look for their logos to avoid out-of-network fees. (The change of currency fee would still apply outside the U.S.)

You can visit a branch or call Flagstar Customer Service at 888-248-6423 during regular business hours. It usually takes 7-10 business days to get to you. 

Flagstar customers enjoy free access to ATMs at all Flagstar branches, Flagstar stand-alone ATMs in stores and around town, and ATMs in the AllPoint and Presto! global networks.  

 

If you use an ATM in our network but outside the country, there may be a fee to convert U.S. dollars to the currency of the country you’re visiting.  

 

There’s a $2.50 fee for transactions at ATMs outside our network, depending on the type of account you have. For example, Military Checking account customers receive 6 free withdrawals from out-of-network ATMs every monthly statement cycle. ATM owners may charge an additional, separate fee.  

 

To find an in-network ATM, visit flagstar.com/locations.

The transaction will post immediately if you use an ATM at a Flagstar branch or a Flagstar stand-alone ATM.

 

Transactions at other ATMs depend on the ATM owner, but it’s typically within 2-3 days.

Debit Card Controls are a great way to keep up with your account and protect it against fraud. You can sign in to Online or Mobile Banking to customize your controls to your needs.  

 

You can set Debit Card Controls to:

 

Stop new transactions

 

Decline purchases outside the United States

 

Limit the geographic area where your card can be used

 

Prevent purchases from certain types of merchants

 

Block certain types of transactions, like ATM, online, in-store

 

Set a maximum amount per transaction     

 

    You can also set up alerts to receive email or text notifications for:

 

Every transaction

 

Transactions over an amount you set

 

International card use

 

Card use at a certain type of merchant

 

Certain types of card use (ATM, online, in-store, mail/phone order)

Log into Online or Mobile Banking.

 

Go to the Profile and Settings menu, then select Debit Card Controls.

 

All debit cards associated with your account will be displayed.

 

Select the arrow next to the card you want to change. Select your Debit Card Controls from the menu that appears.

Debit cards will arrive at your mailing address, typically in 7-10 days.

Stop by a branch or call Flagstar Customer Service at 888-248-6423 during regular business hours.

Making Deposits FAQs 

There are many convenient ways to make a deposit:

  • Use Mobile Deposit in our mobile app to deposit checks.
  • Use the ATM at a Flagstar branch.
  • Transfer funds through Online Banking or by calling 888-248-6423.
  • Visit a branch.
  • Set up direct deposit with your employer, Social Security, or other regular income.
  • Request a one-time electronic debit from your account at another financial institution to your Flagstar account.
  • Complete a wire transfer.
  • By mail. Send a check to:

    102 Duffy Avenue
    Hicksville, NY 11801
    Attn: Bank by Mail

Funds from electronic direct deposits will be available on the effective date of the deposit. If we are notified of a deposit in advance, it may show as Pending in online banking until it posts. 

 

If you make a cash deposit in person to one of our employees, funds are available on the next business day of your deposit. If you do not make your deposit in person to one of our employees, funds from cash deposits may not be available until the second business day after the day we receive your deposit. For example, a cash deposit made at one of our ATMs on Monday may not be available until Wednesday. 

 

Generally, check deposits made in person, via Mobile Deposit, or at an ATM will provide $225 available no later than the next business day with the remaining funds available no later than the second business day after the deposit is made. So, if you deposit a check of $700 on Monday, $225 will be available no later than Tuesday, and the remaining $475 will be available no later than Wednesday. 

 

There are certain circumstances which could cause a longer delay in funds being available.  When those apply, we will provide notice to you. Please refer to your Disclosure Guide for additional information.

It depends on the source of your income. Some employers allow you to set up direct deposit online at work. Others ask you to submit a form to the payroll department.

 

To set up direct deposit for Social Security benefits, please visit the Direct Deposit page on the Social Security website.

 

Direct deposit is available for checking, savings, and money market accounts.

Health Savings Account FAQs 

An HSA is a tax-advantaged account established to pay for qualified medical expenses if you are covered under a high-deductible health plan (HDHP). The funds you contribute to an HSA are not subject to federal income tax at the time of deposit. With money from this account, you can pay qualified healthcare expenses. Your insurance company pays for covered expenses. You can use any leftover funds in your HSA to pay for qualified medical expenses in future years.

 

Flagstar offers an HSA account called PerfectHealth Savings.

Federal law dictates the annual contribution limits for both singles and families. Individuals who are age 55 and older may also make additional “catch up” contributions. For current limits, refer to www.irs.gov We recommend you speak with your tax or legal advisor prior to making investment decisions

 

Any eligible individual may contribute to an HSA. If an employee establishes an HSA, both the employee and their employer may contribute to the employee’s HSA in a given year. If a self-employed or unemployed individual establishes an HSA, that individual may contribute to the HSA. Family members may also make contributions to an HSA on behalf of another eligible family member.

Contributions: You can set up automatic deposits via a payroll deduction or transfers from another account. You can also make a deposit at a Flagstar branch.

 

Distributions: Your PerfectHealth Savings funds are available by making a withdrawal at a Flagstar branch, by using a PerfectHealth Savings debit card, or checks ordered for the account.

 

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