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Online and Mobile Banking FAQs

General FAQs

Online Banking gives you 24/7 access to your account. Track what’s coming and going so you’re always in the know. With Flagstar's Online Banking, you can:

  • View account details and balances for your checking, savings, CD, money market, and select loan accounts online
  • Transfer funds between your Flagstar accounts or with other financial institutions
  • Organize all your bills in one place
  • Pay multiple bills quickly from the same screen
  • Receive email notices when your eBills arrive
  • View statements from the past 24 months
  • View check images from the past 6 months

The Flagstar Mobile Banking app gives you access to your Flagstar accounts through an internet-enabled device like a smartphone or tablet. With Flagstar Mobile Banking, you can:

  • View account summaries
  • View account transaction history
  • Save time with Mobile Deposit2
  • View check images
  • Make transfers
  • Review and pay bills
  • Send Money with Zelle®
  • Locate an ATM, branch, or loan center  

 

1 Not all devices supported. Available for eligible personal and business deposit account customers only.

2 Not all devices supported. Available for eligible personal and business checking and savings account customers only. Must be an active mobile banking user. Accounts must be in good standing.

Online Banking is available for personal checking, savings, certificates of deposit, money market accounts, and select loans. Business customers can access Online Banking for select accounts, too.

 

Once you open an eligible account with us, you can sign up for Online Banking here. Next, use your smartphone to download Flagstar Mobile Banking from Google Play or Apple's App Store. Once it’s installed, use the same username and password that you use with Online Banking to log in.

 

If you have a mortgage with Flagstar Bank, sign up for MyLoans® to make payments, view account history, and more. Sign up for MyLoans.

We do everything we can to make your Online and Mobile Banking experience as secure as possible. Each transaction is equipped with high-tech protection allowing you to bank with peace of mind.

 

When you log in using your mobile device, you are logging in with the same multi-layer security that is used as if you logged on from your desktop computer. We confirm your credentials along with the device you are using.

 

We also provide a comprehensive suite of security features so you can stay in control of your account 24/7. With Debit Card Controls, you can freeze your card, set spending limits, and more. Account Alerts keep you in-the-know with real-time information. Set up Touch and Face ID in your Flagstar Mobile Banking app for added protection.

Depending on the services that you use, Flagstar Mobile Banking may access your contacts, GPS, and camera.

  • Contacts – The app may access your contacts when sending money to one of your contacts via Zelle®1.
  • GPS – The app will access your GPS location when using the Flagstar ATM/branch locator.
  • Camera – The app will access your camera (but not your photos saved on your device) when processing a mobile check deposit.

 

1 Zelle and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. Payment requests to persons not already enrolled with Zelle® must be sent to an email address.

If you are logging in to Online Banking and have forgotten your password, click on the Forgot Password link located on the login screen. From there, follow the prompts to reset your password.

 

If you are logging in to the Flagstar Mobile Banking app and forgot your user ID and/or password, select the Trouble logging in? link from the Flagstar Mobile Banking homepage and follow the instructions.

 

If a password is entered incorrectly three times, it will become locked. To unlock the password, please call 888-248-6423.

Yes. When logging in to Online Banking from a different computer, for your security, you may be prompted for a verification code.

 

A verification code is a number that is sent to you via an automated voice call or text message. It is a security feature to make sure we have the correct information for your account. The code is only valid for a short time before it expires. After that, you will need to request a new one.

Your user ID and password can be changed at any time by visiting Settings within Online Banking.

You can stop getting paper account statements in the mail by enrolling in Electronic Documents in Online Banking. To enroll, please click the ellipsis (...) next to the account on the Accounts page, then select Statements. An e-Documents link can also be found on the right side of the Accounts page, or at the top of the page when viewing account history.

 

Once selected, you must request for the system to generate a notification code to agree to the Terms and Conditions of Electronic Documents. Submitting the notification code will allow the system to proceed to select the accounts and services that you wish to have delivered electronically. This will include account statements as well as tax documents and other notices. You must confirm your selection to proceed.

You must first be enrolled in Electronic Documents, as explained in the previous answer. To view statements in Online Banking, please click the ellipsis (...) next to the account on the Accounts page, then select the item that you wish to view. You may also click the e-Documents link on the right side of the Accounts page. Additionally, statements can also be found at the top of the page when viewing account history by clicking e-Documents.

Face ID and Touch ID are secure and easy ways to sign in to your account on the Flagstar Mobile Banking app. Instead of entering your password, Touch ID uses your fingerprint and Face ID uses facial recognition to log you in.

Face ID or Touch ID can be set up or updated under the Settings option in the Flagstar Mobile Banking app. 

Instant balances are account balances that you can access from the Flagstar Mobile Banking app without having to log in. Open Flagstar Mobile Banking, then slide your finger down from the top of the screen to display your instant balance.

 

Note: The Save ID feature needs to be enabled to utilize the Instant Balances feature.

To set up Instant Balances:

  • Log in to Flagstar Mobile Banking
  • Click on the More tab
  • Select Instant Balances
  • Toggle the button to ON
  • Choose the Accounts you would like Instant Balances on
  • Click Save

Yes, you can add your Flagstar Visa® Debit Card to your mobile wallet or a payment app like Cash App, PayPal, or Venmo to pay bills.

Zelle

You can send, request, or receive money with Zelle®. To get started, log in to Flagstar Online or Mobile Banking and select Send Money With Zelle®.

 

To send money using Zelle®, simply select someone from your mobile device's contacts (or add a trusted recipient's email address or U.S. mobile number), add the amount you'd like to send and an optional note, review, then hit Send. The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®.

 

To request money using Zelle®, choose Request, select the individual from whom you'd like to request money, enter the amount you'd like, include an optional note, review, and hit Request. If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.

 

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Flagstar account, typically within minutes.

 

If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:

 

  1. Click on the link provided in the payment notification you received via email or text message.

     

  2. Select Flagstar.

     

  3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification—you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.

     

Keeping your money and information safe is a top priority for Flagstar. When you use Zelle® within our Online or Mobile Banking, your information is protected with the same technology we use to keep your Flagstar account safe.

Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter, or neighbor.1

 

Since money is sent directly from your Flagstar account to another person's bank account within minutes1, Zelle® should only be used to send money to friends, family, and others you trust.

 

If you don't know the person or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These transactions are potentially high risk (just like sending cash to a person you don't know is high risk).

 

Neither Flagstar nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected.

Some small businesses can receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from our Online or Mobile Banking using just their email address or U.S. mobile number.

 

Neither Flagstar nor Zelle® offers purchase protection for payments made with Zelle®, so you should only send money to people (and small businesses) you trust.

In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.

You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn't yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select Cancel This Payment. If you do not see this option available, please contact us at 888-248-6423 for assistance.

 

If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.

 

If you sent money to the wrong person, please immediately call us at 888-248-6423 so we can help you.

No, Flagstar does not charge any fees to use Zelle® in our mobile app.

 

Your mobile carrier's messaging and data rates may apply.

You can find a full list of participating banks and credit unions live with Zelle® at zellepay.com.

 

If your recipient's bank or credit union isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.

 

To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address or U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit card.

Account Alerts 

With Account Alerts, you can stay up to date with what’s happening in your account—to the degree that you want. You can receive alerts for every transaction or just one alert when your savings account reaches a specific amount. It’s a free service with many options to choose from, and you can change your alerts anytime. 

It’s easy to set up customized Account Alerts for your Flagstar accounts. To set up in Online Banking, sign in and follow these steps:

  • Select Settings, then Security Center, then Account and Security Alerts.
  • On the Manage Alerts tab, you can choose the type of alert you want to receive, such as balance changes, debit card transactions, and recent payments. 
  • On the Manage Delivery tab, you can select where and when to send the alerts.

To set up Account Alerts in the Flagstar Mobile Banking1 app, sign in and follow these steps:

  • Select the More Menu, then Alerts
  • Select Account, then Security and Card
  • Open Scheduled Alerts to set up the alerts you would like to receive

1 Not all devices supported. Available for eligible personal and business deposit account customers only.

You can update your alerts, stop them, or start them up again whenever you want. Simply sign in to Online Banking and follow these steps:

  • Select Settings, then Security Center, then Account and Security Alerts
  • On the Manage Alerts tab, you can choose the type of alert you want to receive, such as balance changes, debit card transactions, and recent payments
  • On the Manage Delivery tab, you can select where and when to send the alerts

To update your alerts in the Flagstar Mobile Banking app, sign in and follow these steps:

  • Select the More Menu, then Alerts
  • Select Account, then Security and Card
  • Open Scheduled Alerts to make adjustments to your alerts

Yes. In Account and Security Alerts, the Manage Alerts tab has an Active Alerts section that shows recent alerts and where they were sent.

 

In the Flagstar Mobile Banking app, you can see this by selecting Manage Alerts then Alert History. 

Money Center

The Money Center is a budgeting tool in Online Banking. You can use it to categorize transactions and view spending trends in your Flagstar and other accounts. Log in to Online Banking or Flagstar Mobile Banking and select Money Center to get started. 

Yes. To add categories to your Money Center budget, follow these steps:

  • Select Budget, then choose a category.
  • Enter a dollar amount for the category.
  • Click Save.

Yes, the Budgets tab in Money Center allows you to track your budgets against your monthly targets and make adjustments as needed. There’s also a starter budget that will create key budgets automatically.

 

The Goals tab lets you keep track of your progress toward a specific goal. 

Yes, Money Center has an alerts section so you can keep up on the information you want to receive. 

Yes. You can add other accounts to Money Center to get a comprehensive view of your finances. We’ll guide you through the process. 

Mobile Deposit 

Mobile Deposit is an easy way to deposit checks directly to your account using the camera on your phone. It features the same multi-layer security you experience when you log in from your desktop computer. The check must be from a U.S. bank account. 

 

Here’s how to set it up:

  • Sign the back of your check and write For Flagstar Mobile Deposit Only below your signature. 
  • Log in to the Flagstar Mobile Banking app and select Deposit. 
  • Select the account for your deposit and enter the amount of the check.
  • The app will guide you to take photos of the front and back of the check.
  • Double-check that everything is correct, then select Submit. 

You should receive an email once your deposit is submitted. 

 

1 Not all devices supported. Available for eligible personal and business checking and savings account customers only. Must be an active mobile banking user. Must be a customer for a minimum of two business days. Accounts must be in good standing.

Mobile Deposit is a convenient way to deposit many types of checks, but there are some exceptions.

Of course, it won’t work with checks made out to other people, altered checks, suspicious checks, or checks that have already been deposited or cashed.

Mobile Deposit also cannot accept the following:

  • Checks that are unreadable
  • Checks to more than one person, unless all payees are signers on your account
  • Checks dated more than 6 months before the date of deposit
  • Checks drawn on banks located outside the U.S.
  • Checks drawn on U.S. banks in a foreign currency
  • Electronic check images previously converted to substitute checks

No worries. We’ll deduct the duplicate amount from your account. Once you’ve deposited a check, try writing “deposited” on the face to avoid duplicates. This is important because too many duplicate attempts could cause the service to be discontinued. 

After depositing your checks, keep them for at least one week in case they are needed for any reason. After your checks are processed and the total amount appears under your available balance, you can shred them. 

You can visit or contact a Flagstar branch or give us a call at 888-248-6423.

Bill Pay

Bill Pay allows you to view, manage, and pay both paper and electronic bills (eBills) with Online Banking. It’s a fast, convenient, and secure way to pay your bills.

  • Pay all your bills through the Payment Center. Here, you will see a summary of recent and pending payments and an option to set up bill reminders.
  • Receive your bills directly in your online account via eBills. Then, you can pay them with automatic, scheduled, or one-time payments.
  • Review your bill history to keep track of the pay date and payment status.

Log in to Online Banking and select Pay Bills to enroll in payments.

You can use Bill Pay to pay any company or person with a U.S. address. Bill Pay offers the flexibility and convenience of paying all your bills from one place. This includes credit card accounts, auto loans, professionals, utilities, and even relatives. It is not available for tax payments or court-directed payments.

Bill Pay is a free service. If you choose rush service to expedite a payment, there may be a small fee.

Bill Pay users can make single transactions from $1- $25,000.

Yes, all you need is access to a secure internet browser, and you can pay bills from anywhere. 

You can set up your payments for anytime; however, they will not be processed until the first business day after a weekend or holiday.

Yes, you can choose weekly, monthly, quarterly, or annual payments.

The way payments are processed depends on the merchant, the amount, your payment history, and recent activity. If the merchant is not set up electronically, we’ll send a paper check. Otherwise, we’ll send your payment digitally. Either way, our goal is to deliver your payment on the due date.

You can cancel any payment that has not started processing. After you cancel, the status changes to Canceled in the Recent Payments section of the Payment Center.

 

If you cancel a payment that is set up for automatic payment, only the payment you selected is canceled. To cancel all payments scheduled for automatic payment, click the AutoPay link under the payee’s name.

Bill Pay offers reminders to help you pay your bills on time. To set them up, sign into online banking, then go to the Payment Center. You can schedule reminders up to 28 days before your payment is due.

An eBill is an electronic version of a bill or statement. You can receive, view, and pay eBills via Bill Pay. When your eBill arrives, it appears in the Payment Center, and you can view and pay it online. You control the date and amount of your payment.

To view your payments, sign into online banking and follow these steps:

  • Select Pay Bills.
  • On the Payee ribbon, select Activity to view recent activity for a specific bill.
  • Select Activity from the Payment Center menu to view all Bill Pay activity, including reminders, pending payments, and processed payments.

Yes, you can pay the bill right away or schedule a payment for a later date. 

Yes. Here’s how to pay bills with Flagstar Mobile Banking:

  • After you sign in, tap Transfers & Pay.
  • Tap Pay Bills.
  • Tap the business you want to pay from the list or choose Add New Biller.
  • Tap the account you wish to pay from.
  • Enter the amount and select the date to make the payment.
  • Tap Pay, review the information, and tap Pay again to complete the transaction.

 

1 Not all devices supported. Available for eligible personal and business deposit account customers only.

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