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Security

Discover the range of trusted security measures we employ so you can bank with peace of mind.

Account Security

Bank with confidence and protect your finances with these advanced Online and Mobile Banking1 security features.

  • Multifactor authentication
  • Biometrics like fingerprint and facial recognition
  • Industry-standard encryption when logging into online or mobile banking
  • Real-time account security alerts

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Debit2 and Credit
Card3 Protection

With around the clock fraud monitoring, you'll receive an alert if suspicious activity is detected on your card.

  • Fraud text alerts
  • Visa’s Zero Liability Policy4
  • Fraud monitoring

Security Tools

Every Flagstar checking and savings account comes with security tools to protect
your money.

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Account Alerts

Stay in the know with transaction alerts, payment reminders, and more.

How to set up Account Alerts

Learn about Account Alerts

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Debit Card Controls

Freeze your card, set spending limits, and stay in control.

How to set up Debit Card Controls

Learn about Debit Card Controls

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Password Protection

Create a long password that's difficult for others to guess.

Resetting your Mobile Banking password

7 password tips

Security FAQs

Yes! Flagstar is an FDIC-insured bank, which means customer checking account deposits are insured up to at least $250,000 per depositor for each deposit category.

 

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.

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.

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 service with many options to choose from, and you can change your alerts anytime. 

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.

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)

See more

Helpful Resources

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Online Safety

The ongoing battle against cyber criminals continues to intensify as attacks grow harder to stop. Though the extent of damage from a single cyber attack is unpredictable, you can protect yourself with these 10 security tips.
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Identity Theft Protection

We care about your digital safety and security, so we’ve outlined some identity protection methods you can start right away.
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Password security

To ensure your accounts and finances are protected, we want to arm you with important password protection tips.

Think you have experienced fraud?

If you’ve experienced fraud or seen suspicious activity, let us know so we can help.

Report Fraud

Flagstar is committed to your financial security.

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Privacy
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Fraud Information
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Client Support

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

2This debit card is issued by Flagstar Bank pursuant to a license from Visa U.S.A. Inc.

3Cards are issued by First National Bank of Omaha (FNBO3), pursuant to a license from Visa U.S.A., Inc. Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.

4Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit visa.com/security.