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MyLoans Text Messaging Terms of Use

Flagstar Bank’s  MyLoans text messaging service (the “Service) is governed by these Terms of Use (the “Terms”). If you do not agree to these Terms, you can opt-out of the Service at any time. 


By providing your phone number, you authorize Flagstar Bank, its affiliates and agents (“Flagstar Bank”) to send you text messages using SMS, MMS or other technology about your account, and any future or current accounts you have with Flagstar Bank at any phone numbers you provide us in connection with your accounts. In addition, you authorize Flagstar Bank to contact you using an automatic dialing system or pre-recorded voice message to the phone number you provide. Message and data rates may apply. You are responsible for any fees assessed by your mobile service provider. It is your responsibility to determine if your mobile service provider and cellular device support receipt of text messages. Flagstar Bank does not guarantee receipt of text messages, and will not be liable for undelivered or delayed text messages. Carriers are not liable for delayed or undelivered messages. If you change your phone number, you agree to promptly notify Flagstar Bank.  


By providing your phone number, we may send you account notifications such as payment reminders or payment confirmations. To enroll or update your account preferences, go to Set Up Notification & Alerts from the Quick Start Guide in MyLoans. Text message frequency varies depending on your account settings and account activity.


If you would like to stop receiving text communications, text STOP from your mobile device to 27860 or text HELP to 27860 for more information.  Texting STOP to 27860 may not stop all messages from Flagstar Bank if you signed up for other services over text that use a different short code number.  You may also update your account preferences in MyLoans in the Set Up Notification & Alerts from the Quick Start Guide.  To speak to a customer service representative, call (800) 968-7700.


Flagstar Bank reserves the right to change these Terms at any time and without prior notice. Your continued use of the Service constitutes agreement to such changes. Please check these Terms regularly for any changes.