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Checking Accounts

Expect more from your personal checking account, even if you never use checks.

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.

Most Popular

Ready Checking offers all the essentials plus added perks. Enjoy peace of mind with overdraft protection and no minimum balance.

  • No minimum balance requirement
  • Zero monthly maintenance fees when you enroll in e-statements
  • Round Up with Flagstar lets you save the change whenever you use your debit card
  • Overdraft protection options

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.

  • Earn interest
  • Premium interest rates for CDs2
  • Higher transfer and mobile deposit3 limits
  • Free annual box of Flagstar custom checks or 50% off all other styles
  • Dedicated customer service line
  • Overdraft protection options

Explore more checking account options

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Flagstar Student Checking

Designed specifically for college students 18+. No monthly fees and just $1 to open.

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Flagstar Military Checking

No monthly fees, free checks, and perks for active and veteran military personnel.

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Flagstar One Checking

A low-cost, checkless account with no overdraft fees.

Swipe it. Type it. Tap it. Scan it.

Choose your favorite way to pay with a Flagstar Visa® Debit Card.4 Who knew paying for things could be so much fun? 

Benefits that put your checking account to work

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Flagstar Visa® Debit Card4

A secure, convenient way to pay wherever Visa is accepted—which is practically everywhere.

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Online and Mobile Banking5

Bank on your schedule. Make deposits6 and transfers, pay bills or people—anytime, anywhere.

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56,000+ Flagstar ATMs1

Flagstar customers get free access to Flagstar, Allpoint, and Presto ATMs.

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Send Money with Zelle®

All you need is the recipient’s email or U.S. mobile number.

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My Credit Score

Check your score anytime and get tips on how to improve it. 

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Pay with Confidence

Learn how we help you manage your transactions.

Compare checking accounts

Most Popular

Minimum opening deposit



Interest bearing



Maintenance service charge



Avoid maintenance service charge

Sign up for e-statements

Maintain a $25,000 balance in deposits7

Free box of standard checks every year





Preferred CD rates2



Dedicated client service line



Higher transfer and mobile deposit3 limits



Bank on the go with Mobile Banking.5

Mobile Banking lets you pay bills, move money, deposit checks,6 and much more. Add this easy-to-use app to your Android or iPhone and manage your money on your schedule.8

Apply for a personal checking account today

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Visit a branch

We’ll walk you through it. Stop by the nearest branch to open an account in person.

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Savings Accounts

Prepare for your future. Discover the savings account that will help you reach your goals.

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Flagstar Visa® Credit Cards

Choose a credit card with the perks you want, like cash back, rewards, bonuses, and more.

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Online and Mobile Banking

A convenient way to view transactions, schedule payments, send money with Zelle®, and more. 

1Currency conversion fee may apply to transactions outside the U.S.

2 Excludes 10-Day CDs. Offer available to customers enrolled in Flagstar Elite Relationship Program only.

3Higher limits apply within 30 calendar days if you are an existing customer or 60 calendar days if you are a new customer.

4This debit card is issued by Flagstar Bank pursuant to a license from Visa U.S.A. Inc.

5Not all devices supported. Available for eligible personal and business deposit account customers only.

6Not 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.

7Monthly maintenance service charge waived when the combined average daily Balance of the Lead Account and any Linked Account(s) is equal to or greater than $25,000. Linked account must be enrolled in Flagstar Elite Relationship Program. See account disclosure for additional information.

8Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android, Google Play, and the Google Play logo are trademarks of Google Inc.

Flagstar Savings Plus 5.55% APY 

9Annual Percentage Yield (APY) is accurate as of 4/13/2024. Tier 1 $25,000.00 - $999,999,999.99 features an annual percentage yield of 5.55%. Tier 2 $0 - $24,999.99 features an annual percentage yield of 0.10%. Initial minimum opening deposit to earn the higher interest rate on the Flagstar Savings Plus account is $25,000.00 and must be “New Money,” which is defined as money that is not currently on deposit in any Flagstar Bank account (except maturing CDs). Additionally, (i) account must be funded within 60 days of the approval date and (ii) early account closure fee and reclamation of interest paid may be imposed for accounts closed within 180 days. The 5.55% APY is guaranteed for the first 5 months after account opening. After the promotional period, the account will earn the posted interest rate of the Flagstar Savings Plus accounts, which is a variable rate and subject to change. A maintenance service charge of $15 will be imposed every statement cycle if the average daily Collected Balance in the account is less than $10,000. This charge may be waived if the account is linked to any Flagstar Bank personal checking account. Not available for public units. Fees may reduce earnings. Personal accounts only. Limited time offer. Area restrictions may apply. If you are a Private Bank client, please contact your Private Client Group to enroll.

7-Month CD

10Annual Percentage Yield (APY). 5.50% APY is accurate as of 4/13/2024. 7-month term available. Fees could reduce earnings. Withdrawals may result in imposition of applicable early withdrawal penalties. $500 minimum opening deposit required. Maximum deposit is $10,000,000. Funds currently deposited in accounts at Flagstar Bank are not eligible for the promotional interest rate. Additional deposits not allowed during CD term. Not available for public units. Certain restrictions may apply. Offer subject to change or cancellation at any time without notice. Cannot be combined with any other CD offer. Must present offer at account opening. Limited-time offer. Area restrictions may apply. Please contact your local branch for more information.

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