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

For select loans that are in good standing, the primary borrower can view limited loan information online. 

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

Online banking is a fast, easy, and secure way to pay your bills, pay other people, and manage your money. This option is free for Flagstar Bank customers who have personal or eligible small business deposit accounts, such as checking and savings accounts.

With online banking, you can:

• View account details and balances
• Transfer funds
• Organize all your bills in one place
• Send secure messages to Flagstar
• Set up alerts to notify you about account changes
• Pay multiple bills quickly from the same screen
• Receive email notices when your eBills arrive
• Keep an online record of bill payments for 24 months
• View 24 months of statements
• View 18 months of account activity and check images
• Receive text or email alerts
• Send money with Zelle®
• View financial accounts and access personal financial tools through MyWallet

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 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 here.

For your security, when you log into your account, you may be prompted for a verification code.

A verification code is a six-digit 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.

Visit flagstar.com and log into online banking with your username and password.

Many bank transactions take time to process. For example, if you make a purchase with your debit card then log into online banking a few minutes later, you’ll see the purchase in the Pending Transactions section of your Account Activity page, even though it hasn't been processed yet.

Your current balance means the total amount of funds in your account from Posted transactions. The Balance may include funds that are not yet available for withdrawal under our Funds Availability Disclosure.

Your available balance means funds in your account that are available for withdrawal. In general, it is your Balance minus any outstanding holds on your Balance. Outstanding holds include, without limitation:

1. All or part of any check deposit without same-day availability, as noted in the Funds Availability Disclosure;
2. A hold on funds in your Balance resulting from a court order, other legal requirement (e.g., levy, garnishment, etc.), or notification of a deposit being returned;
3. Temporary Debit Authorization Holds. The following are not reflected or included in your Balance or your Available Balance: any checks you have written or ACH transactions you have made or authorized that have not yet Posted to your account; your Bounce Protection limit; and funds from any accounts you have linked to your account for overdraft protection (e.g. if possible, a Linked Account and/or an overdraft line of credit).

Secure messaging allows you to communicate with us from within online banking. Here, you can include account numbers and other information, so we can better assist you. We will respond to your questions in online banking and send an email to let you know there’s a secure message waiting for you.

Please do not put your account information in email. It is not secure. Instead, log into online banking to send us a secure message.

You transfer up to $XXXX per day between Flagstar accounts. You can also set up transfers to occur at regular intervals, from every day to once a year.

Flagstar alerts are a great way for you to keep track of your accounts. Choose to be notified by email or text message for any of the following reasons:

• Your balance is above or below a certain amount
• A fee has been charged to your account
• A debit transaction has posted to your account
• A transaction over a certain amount
• An ATM withdrawal over a certain amount
• Any type of withdrawal over a certain amount
• Deposit credited to an account
• A check has cleared

Your security is important to us. Flagstar Bank will automatically send an email for any of the following events:

• Postal address, phone number, or email address has been changed
• User is locked out
• Password has been changed
• Username has been changed
• Forgot username link was used
• An incorrect answer was entered for a challenge question
• Challenge answers are changed

Log into online banking to view your Flagstar Bank account number. Under the Accounts menu, select Account Activity. In the Show Account Details section, select Show Account Number.

Flagstar’s routing and transit number is 272471852. It’s at the bottom of every page in online banking.

Yes, here's how to reorder checks through online banking:

1. Select the Accounts drop-down menu, then choose Order Checks.
2. Select either Consumer Check Reorder or Business Check Reorder.
3. The Deluxe check site will open so you can order personalized checks.

Log in to your account, select the Profile and Settings menu, then Debit Card Controls.

To block international transactions, click the toggle on. To unblock international transactions, click the toggle off.

Yes. With online banking, you can access to up to 24 months of eligible account statements.

Text banking is a service that allows you to request and receive account information quickly via text message.

Once you enroll in Text Banking, you can use the commands below to check your account. Text one of the commands below to 372578. Commands are not case sensitive. Texting uses your wireless phone's texting capabilities. Message and data rates may apply based on your mobile plan. Check with your mobile service provider for fees and charges.

b – gives you the balance on your primary checking or savings account.

If you have multiple Flagstar Bank accounts, you can create short nicknames for text banking so you can specify which account you want to check.

For example, if you use chk as an account nickname, you could text b chk to get the balance information of that account.

Texting b all will provide the available balance of your accounts.

h – shows your account history by sending the last 5 transactions of your primary account. 
You can use short nicknames with account history, too.

For example, if you use chk as a nickname, you could text h chk to get the history of that account.

m – gives you 5 more account transactions after h gives you the first 5. You can text m until there are no more transactions available.

n – shows a list of your account nicknames.

t – shows the most recent 5 internal transfers for an account.

help – displays a list of all commands.

stop – unsubscribes your phone from Text Banking.

Bill pay allows you to view, manage, and pay both paper and electronic bills (eBills). Log into online banking to enroll in this free service or manage payments.

Log into online banking and select Pay a Bill.

The bill pay service is free, but you may pay a fee to expedite a payment.

1. Log into online banking and select Bill Pay from the Pay and Transfers menu or select Pay a Bill in the Quick Links section of the online banking home page.
2. To view recent activity from a specific payee, click on the Activity link in the Payee ribbon.
3. To view all bill payment activity, click on Activity from the Payment Center menu within Bill Pay. This view includes payment reminders, pending payments, and processed payments.

Debit Card Controls allow you to set limits and alerts to protect your account. Log into online banking to personalize your controls to the way you use your debit card.

Set Limits

Select any or all of these options to set limits on how your card can be used:

Block Card: Stop any new transactions. Pending and recurring transactions won't be affected. You can unblock your card at any time.

Block International Transactions: Prevent your card from being used outside the United States. Online transactions won't be blocked.

Set Region Limit: Prevent your card from being used outside a geographic region that you specify. In-store purchases at locations outside the region will be declined.

Block Merchant Types: Prevent your card from being used at certain types of merchants. Purchases at blocked merchants will be declined.

Block Transaction Types: Prevent your card from being used for certain types of transactions (such as at ATMs, online, in-store, or mail/phone order). Blocked transactions will be declined.

Set Transaction Amount Limit: Specify a maximum amount limit for each transaction. Transactions exceeding the limit will be declined.

Set Alerts

Use these options to receive email or text notifications when there has been a change to your account:

All Transactions: Receive an alert every time your card is used in a transaction.

Transactions Over $__ : Receive an alert every time your card is used in a transaction over a certain limit.

International Transactions: Receive an alert every time your card is used outside the United States.

Merchant Types: Receive an alert every time your card is used at certain types of merchants.

Transaction Types: Receive an alert every time your card is used for certain types of transactions (such as at an ATM, online, in-store, or mail/phone order).

1. Log into online banking.
2. Go to the Profile and Settings menu then select Debit Card Controls.
3. All debit cards associated with your account will be displayed. Select the arrow next to the card image you want to change.
4. The Debit Card Controls menu will display all available options.

Alternately, you can select Manage Your Controls from the Debit Card Control section of the online banking home page.

1. Log in to your account, select the Profile and Settings menu, then Debit Card Controls.
2. Select Set Region Limit.
3. Click or tap the toggle for Block Transaction Outside Your Radius.
4. Enter a location or address and select the desired radius from 5 to 500 miles from the location entered. Click Save.

Note: You may need to change this setting to complete certain transactions, such as for online purchases and with merchants like Uber that use a corporate address outside your region. You can switch the toggle to complete the transaction then switch it back when you’re finished.

1. Log into your account, select the Profile and Settings menu, then Debit Card Controls.
2. To block specific merchant type, select Block Merchant Types.
3. Toggle the type of merchants to block.
4. Select Save.

1. Log into your account, select the Profile and Settings menu, then Debit Card Controls.
2. To block specific merchant type, select the Block Transaction Types.
3. Toggle the type of transaction to block and click Save.

1. Log into your account, select the Profile and Settings menu, then Debit Card Controls.
2. Select Set Transaction Amount Limit.
3. Select the toggle for Block Transactions Over a Certain Limit.
4. Enter the maximum amount to block and click Save.

1. Log into your account, select the Profile and Settings menu, then Debit Card Controls.
2. Select Set Alerts.
3. Select the card you want to set up alerts for.
4. Choose any or all of these alerts:

• All transactions
• Transactions over a specified dollar amount
• Block international transactions
• Merchant alerts by merchant type

o Department stores

o Entertainment

o Gas stations

o Groceries

o Household

o Personal care

o Restaurants

o Travel

• Type of transaction

o ATM

o E-commerce

o In-Store

o Mail / Phone Order

5. Select the phone number and/or email address for the alerts and click Submit. If you want others to receive these alerts, too, you can add their contact information to Debit Card Controls.

1. Log into online banking, select the Profile and Settings menu, then Debit Card Controls.
2. Toggle the Block Card to turn the card off. This will immediately disable the card from being used for new transactions. Pending and recurring debit card transactions will not be affected.
3. Toggle the Block Card to re-enable the card.

With Flagstar’s mobile banking,¹ you can:

• View account balances and deposit account transactions
• View statements and check images
• Change your contact information
• Change your username and password
• Deposit checks with mobile check deposit²
• Pay bills
• Transfer funds
• View and cancel pending payments
• Use Zelle³ to pay another person
• See account balances instantly without logging in
• Receive text alerts
• Locate ATMs, branches, and loan centers
• Log in with your fingerprint on eligible iPhones and Androids
• Log in with FaceID on iPhone X
• Manage debit cards

¹Not all devices may be supported. Customer eligibility required.  Available for checking, savings, and CD accounts (personal and business).

²Must be an active online banking user.  Must be a customer for a minimum of two business days. SimplyOne account holders are not eligible. Accounts must be in good standing.

³Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

⁴Touch ID is available to users on iPhone 5s or later or later running iOS8 or later. Fingerprint Identification is available for Android phones.

iPhone and App Store are registered trademarks of Apple Inc. Android and Google Play are trademarks of Google Inc.

• Account summary
• Instant balances
• Text alerts
• Deposit account transaction history and running balance
• Mobile check deposits²
• View check images
• Transfers
• Bill payment
• View and/or cancel pending bill payments
• Send Money with Zelle^®
• Locate an ATM, branch, or loan center
• Add a bill pay or Zelle payee
• Log in with your fingertip on eligible iPhones and Androids⁴
• Card controls
• eStatements
• Wires (if enabled)
• ACH (if enabled)

¹Not all devices may be supported. Customer eligibility required.  

²Must be an active online banking user. Must be a customer for a minimum of two business days. SimplyOne account holders are not eligible. Accounts must be in good standing.

³Touch ID is available to users on iPhone 5s or later, or later running iOS8 or later. 

You can access online banking from any secure web browser. Simply visit flagstar.com to log in.

You can access mobile banking by downloading Flagstar Mobile to your smartphone. You can find the Flagstar Bank app at Google Play or the Apple App Store. Use your online banking username and password to log in.

Please note: We do not currently offer MyLoans phone app support. Visit flagstar.com/myloans from your computer or phone's web browser whenever you need to log in to your account.

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

Every mobile carrier has a different rate plan for text messaging and data services access. You may be charged per use or pay a flat rate for unlimited usage each month. Contact your mobile provider directly if you aren't sure what fees you may be charged to receive texts and browse the web.

Try these tips:

• Passwords are case sensitive, so make sure you are entering your password exactly as it is set up
  
• If your password begins with a lowercase letter, you may need to use your phone's 'shift' key to change the default from uppercase to lowercase
  
• Some phones require an additional press on the 'shift' key to enter numbers instead of letters

No. Flagstar does not charge a fee to use mobile check deposit or mobile banking. However, your mobile carrier may charge data or other fees based on your plan with them.

For personal accounts: $5,000 in any one business day, $10,000 in any rolling seven-day period, and $20,000 in any rolling 30-day period.

For business accounts: $5,000 in any one business day, $20,000 in any rolling seven-day period, and $30,000 in any rolling 30-day period.

The maximum aggregate deposit amount for new customers cannot not exceed $1,000 in any rolling 30 days. You are a new customer for 60 days after you open your first account with us. Some individuals may qualify for higher limits. SimplyOne, Next Step, and Next Step 2 accounts are not eligible for mobile check deposit.

You can access up to $225 immediately. Any remaining funds may be available within two business days. Longer holds may apply in some cases. (Please refer to your Disclosure Agreement.) If the check amount is greater than $225, the remaining pending funds will be listed on your transaction history screen in the Amount column, as well as the date the funds will be available.

Flagstar Bank reviews each item and may return the check if there are issues with the deposit. Examples of this may include checks returned for insufficient funds in the check writer’s account, post-dated or stale-dated checks, or checks ineligible for the service. The available balance will include up to $225 in a single business day per customer per account for mobile deposits.

If a check is deposited a second time, we will deduct the duplicate amount from your account. Flagstar Bank reserves the right to remove you from the mobile deposit service if multiple duplicate deposit attempts occur. To prevent this oversight from happening, always write “deposited” on the face of checks you have deposited with Flagstar Mobile.

30 days.

You should confirm your check has been deposited, then destroy the check after 30 days.

You must have an account that qualifies for mobile deposit and also be a customer for a minimum of two business days.¹

¹Not all devices may be supported.

• Take the photo in a well-lit area.
• Prevent glare by not using flash.
• Avoid shooting at an angle.
• Place the check on an even surface.
• Make sure the entire check is in the frame.
• Hold the phone steady.
• Place the check on a dark surface.
• Place the back of the check with the endorsement signature on the right-hand side.
• Make sure the information on the check is legible.
• Make sure the amount on the check matches what you type in as your deposit.
• Make sure check has been endorsed by all appropriate parties, i.e. if the check is written out to you and another individual, you both must endorse the check. If check is written to you or an additional person, only one of you needs to sign it.

• Checks not payable to the account owner
• Altered checks or suspect checks
• Checks payable jointly, unless the account includes all payees
• Checks dated more than six months before or after the date of deposit
• Checks drawn against a line of credit
• Checks drawn on banks located outside the U.S.
• Checks drawn on U.S. banks in a foreign currency
• Electronic check images of items previously processed
• Electronic check images previously converted to substitute checks
• Unreadable electronic items

After you enroll with Zelle, you can send money to people you trust if you have their email address or U.S. mobile number. Transactions typically occur in minutes if you're both already enrolled. Remember, you can’t cancel a payment once you send it, so make sure you have the correct information for the other person.

• Log into online or mobile banking.
• Select the Pay and Transfers menu then Send Money With Zelle.
• Select Send.
• On the next screen, add a new contact or choose an existing one.
• Enter a dollar amount and date to send it.
• Review your transaction, add a note if you wish, then select Send.

Zelle can be a great way to send money to family, friends, and people you trust. The other person needs to have a U.S. bank account and enroll in Zelle, too. If they’ve already enrolled, transactions typically occur in minutes. If they haven’t enrolled yet, they will receive instructions when you send your payment.

Use Zelle to pay your share of a group lunch or group gift. Did someone else book the next family outing? Settle up securely with Zelle. You can also use Zelle instead of writing a check or getting cash to pay your babysitter, house cleaner, personal trainer, or dog walker. 

Just be sure you only send money to people you trust because you can’t cancel a payment after you send it. 

Also know that scammers often pretend to be from a bank or digital payment app to get to your money. If you receive a call, text, or email from someone claiming to be from Flagstar Bank or Zelle, contact your local Flagstar branch directly or call us at 888-248-6423. 

No, Flagstar does not charge a fee to use Zelle.

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, you can go to your activity page, choose the payment you want to cancel, and then select Cancel This Payment.

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 send money only 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, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call Flagstar Customer Support at 888 248-6423 so we can help you.

Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. 

If they haven’t enrolled yet, they will receive instructions when you send your payment. They must have a U.S. bank account to enroll. After enrollment, the money will move directly to your recipient’s account, typically within minutes.

If your payment is pending, confirm that the recipient has enrolled with Zelle and that you entered the correct email address or U.S. mobile number.

If you’re waiting to receive money, check your email or phone for a payment notification. If you haven’t received one, follow up with the sender to make sure they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please call Flagstar Customer Support at 888-248-6423.

You may have already enrolled with Zelle at another bank or credit union. A mobile number or email address can only be connected to one financial institution with Zelle.

It's easy to resolve, though. Simply call the other bank or credit union and ask them to deactivate your mobile number or email from Zelle.