Skip to main content

Before you go

You are about to leave Flagstar is not responsible for the content on other sites.

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

icon of a checkbook with a graduation cap

Flagstar Student Checking

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

Icon of a checkbook with a military star and stripes

Flagstar Military Checking

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

Icon of checkbook with the word ONE

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? 

Maximize your checking experience

Every Flagstar checking account comes with easy ways to manage and
move your money.

Icon depicting debit cards

Flagstar Visa® Debit Card4

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

Icon with computer and mobile device with a money sign on it.

Online and Mobile Banking5

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

Icon with cash coming out of a slot

Over 400 Branches and Free Access to 56,000+ ATMs1

Find the closest branch or an ATM in the Allpoint or Presto global network.

Icon with a money symbol with lines drawn to a group of people

Send Money with Zelle®

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

Icon of a gauge with dial or indicator

My Credit Score

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

icon of a computer with a dollar sign and a pie chart

Money Center 

Get the big picture of your finances in one secure place.

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

FAQs for checking accounts

Whether you open a Flagstar checking account online or at a branch, please have the following information available:

  • Name
  • Address
  • Mobile phone number (to verify your identity if you open an account online)
  • Date of birth
  • Social Security number or other identification number
  • Valid identification (such as driver's license, state ID, or passport)


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:

  • Checks
  • Flagstar Visa Debit Card
  • Online and mobile banking
  • ATMs
  • Branches
  • Transfers from an account at another bank
  • Wire transfers

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::

  • Earning interest
  • Monthly fees—and how they can be waived
  • Minimum balance requirements
  • Paperless statements
  • How overdrafts are handled
  • Optional overdraft protection
  • Customer perks, like preferred CD rates
  • A dedicated client service line
  • Limits for transfers and mobile deposits

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:

  • On your checks (checking and money market accounts only)
  • Online Banking
  • Flagstar Mobile Banking

Apply for a personal checking account today

Icon indicating person and branch team member conversing

Visit a branch

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

You may also be interested in:

Two parents smiling and holding their younger child.
Earn 5.55% APY9 with Promo Flagstar Savings Plus

Grow your savings with 5.55% APY9 guaranteed for the first 5 months.

Person smiling and sitting with a tablet device and a credit or debit card in hand
Flagstar Visa® Credit Cards

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

A young person pays for something using a smart watch while two people watch
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.

Promo Flagstar Savings Plus 5.55% APY 

9Annual Percentage Yield (APY) is accurate as of 7/24/2024. 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 Promo 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.

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