Your ideal checking account awaits
Let’s find an account that has everything you need. Like direct deposit, convenient ways to pay bills and people, and free access to thousands of ATMs across the U.S1.
Let’s find an account that has everything you need. Like direct deposit, convenient ways to pay bills and people, and free access to thousands of ATMs across the U.S1.
Most Popular
Ready Checking offers all the essentials plus added perks. Enjoy peace of mind with overdraft protection and no minimum balance.
Earns Interest
Looking for an account that takes your money further? Elite Checking is packed with perks like higher interest, dedicated service, and higher transfer and mobile deposit limits.
$50
$50
$3
Waived when you enroll in e-statements
$15
Waived when you maintain a $25,000 combined daily average balance in your Flagstar personal deposit accounts2
$1,000 minimum balance to earn monthly interest
Free annual box of Flagstar custom checks or 50% off all other styles
Every Flagstar checking account comes with easy ways to manage and
move your money.
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.
Whether you open a Flagstar checking account online or at a branch, please have the following information available:
Yes, you can open a Flagstar Ready Checking account, our most popular checking account, online. You can find all the details and apply here.
Stop by a branch to open one of our other checking accounts, including Flagstar Elite Checking, Flagstar Student Checking, Flagstar Military Checking, and Flagstar One Checking.
No, opening a checking account does not affect your credit score.
Credit scores reflect your history with debt and credit, such as student loans, home loans, car loans, home equity lines of credit, and credit cards. To learn how to boost your credit score, read Ways to Build Credit in our learning center.
Checking accounts are for everyday spending. Many people set up direct deposit for their paycheck, Social Security, or other income, so it goes straight into their checking account. Then, they use the money to pay bills and spend as needed.
Flagstar checking accounts offer many convenient ways to access your funds, including:
You can also use your checking account to pay bills with Bill Pay or automatic payments.
To deposit money into your checking account, visit a branch or ATM. You can also transfer funds from another account or deposit a check with our Flagstar Mobile Banking app.
With a savings account, your money can earn interest. It also keeps your money out of your checking account so you’re less tempted to spend it. You can save for something specific, like a new phone or car, or have money available when needed.
Look for a checking account that matches your banking style. Some people do all their banking online and never write checks, while others prefer to work with a banker and get a free box of checks every year..
Here are some more things to consider::
Here’s how we handle checking account fees:
Routing Number
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.
Account Number
You can find your account number in the following places:
Switching banks is easier than you think. Let's walk through the steps on how to move your checking or savings account to a new financial institution.
We’ll walk you through it. Stop by the nearest branch to open an account in person.
We reserve the right to change account benefits at any time without notice. Certain restrictions may apply. Please see the complete Disclosure Guide for additional details.
Interest rates are tiered to a maximum amount.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.