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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.S9.

Bank on the go with Mobile Banking12

Mobile Banking lets you pay bills, move money, deposit checks,16 and much more. Add this easy-to-use app to your Android or iPhone and manage your money on your schedule.17

   

Images of the login and alerts screens of mobile banking

FAQs for checking accounts

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:

  • 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

Here’s how we handle checking account fees:

  • Flagstar Ready Checking: $3 monthly service charge, which you can avoid by enrolling in paperless statements
  • Flagstar Elite Checking: $15 monthly service charge, which you can avoid by maintaining a $25,000 combined monthly average balance in your Flagstar personal deposit accounts. Your linked account(s) must be enrolled in the Flagstar Elite Relationship Program.
  • Flagstar Military Checking: No monthly service charge for active and former military personnel
  • Flagstar Student Checking: No monthly service charge for college students 18 and older
  • Flagstar One Checking: $5 monthly service charge

 

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

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Switching banks is easy:
a step-by-step guide

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.

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.

1Purchase or purchase with renovation on owner occupied residences only; this includes 1–2-unit, condo, and planned unit development. Co-op properties are for purchase only in the following five boroughs of New York: Bronx, Brooklyn, Manhattan, Queens, and Staten Island. Co-op properties are not eligible with renovation products. Geographic restrictions and income limits apply. Property must be located in a low or moderate census tract in the Flagstar Bank, CRA assessment area and borrower(s) must meet low-moderate income requirements. Annual income limits and loan amount limits may vary by state and county. Homebuyer education required and Rehab education may be required.

Available for property in these locations: Arizona Counties: Maricopa and Yavapai. California Counties: Alameda, Contra Costa, Los Angeles, Marin, Orange, Riverside, San Bernardino, San Francisco, San Mateo, and Santa Clara. Connecticut Counties: Fairfield. Florida Counties: Broward, Collier, Lee, Martin, Miami-Dade, Palm Beach, and St Lucie. Indiana Counties: Adams, Allen, DeKalb, Elkhart, Fulton, Huntington, LaPorte, LaGrange, Miami, Rush, St Joseph, Steuben, Wabash, Wells and White. Michigan Counties: Berrien, Branch, Calhoun, Delta, Dickinson, Eaton, Genesee, Gogebic, Hillsdale, Houghton, Ingham, Iron, Jackson, Kalamazoo, Kent, Livingston, Macomb, Marquette, Menominee, Monroe, Oakland, Ottawa, Schoolcraft, St Joseph,  Washtenaw and Wayne. Nevada Counties: Washoe. New Jersey Counties: Bergen, Essex, Hudson, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, and Union. New York Counties: Bronx, Kings, Nassau, New York, Queens, Richmond, Rockland, Suffolk, and Westchester. North Carolina Counties: Durham and Mecklenberg. Ohio Counties: Cuyahoga, Geauga, Lake, Lorain, Medina, Portage, Summit, and Van Wert. Wisconsin Counites: Brown, Kewaunee, and Oconto.

2Purchase or rate/term refinance and renovation of a residential, owner-occupied, 1- to 2-Unit property in Michigan. Area restrictions and income restrictions may apply. Refinance transactions with renovations limited to the City of Detroit. Refinance without renovation eligible for all CRA-eligible markets. Homebuyer education is required.

3Primary residence, 1-2 Unit property located in the City of Pontiac, MI. Purchase with or without renovation, or rate/term refinance with renovation. Income limits and area restrictions apply. Property must be located in a low-moderate census tract in Pontiac, MI or borrower must meet low-moderate income requirements in Michigan. All loans close with a second mortgage designed to address the appraisal gap between the financing and the appraised value of the property. Renovations must be completed within 12 months. Homebuyer education, pre-purchase education and/or rehab education are required. Interest on the portion of your loan balance that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes. 

4Purchase or rate/term refinance of a primary residence only. Income limits apply. Homebuyer education may be required. A loan-to-value ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. Interest on the portion of your loan balance that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes. Home Possible and Home Possible Advantage are trademarks of Freddie Mac.

5Freddie Mac and Fannie Mae have adopted a refinance option for loans to borrowers with incomes at or below 100% of area median income and you may be eligible to take advantage of this program. If your mortgage is owned or guaranteed by either Freddie Mac or Fannie Mae, you may be eligible to refinance under this refinance option. Primary 1-unit residences only. Programs subject to change without notice. [RefiNow™ or Refi Possible®] option may only be used one time. RefiNow℠ is a trademark of Fannie Mae (or Refi Possible® is a registered trademark with Freddie Mac). You can determine whether your mortgage is owned by either Freddie Mac or Fannie Mae by checking the following websites:

Freddie Mac - https://loanlookup.freddiemac.com

Fannie Mae - https://www.knowyouroptions.com/loanlookup

6Borrower(s) must meet the program criteria for first-time homebuyer(s). Down payment and closing cost assistance for owner-occupied, primary residence only. Minimum credit score, debt-to-income (DTI) requirements, annual income limits, and purchase price limits apply. Borrower must contribute a minimum of $1000 of their own funds towards down payment. Homeownership counseling is required. Available for properties located in limited Flagstar Bank, Community Reinvestment Act (CRA) Assessment areas. Target cities eligible for the gift program are subject to change. No repayment of gift funds is required. Gift program funds are limited and may not always be available.

Eligible County Locations: AZ - Maricopa, Yavapai. CA - Alameda, Contra Costa, Los Angeles, Marin, Orange, Riverside, Sacramento, San Bernardino, San Francisco, San Mateo, Santa Clara. CT - Fairfield FL - Broward, Collier, Lee, Martin, Miami-Dade, Palm Beach, St. Lucie . IN - Adams, Allen, DeKalb, Elkhart, Fulton, Huntington, Lagrange, Laporte, Miami, Rush, St. Joseph, Steuben, Wabash, Wells, White MI – Berrien, Branch, Calhoun, Delta, Dickinson, Eaton, Genesee, Gogebic, Hillsdale, Houghton, Ingham, Iron, Jackson, Kalamazoo, Kent, Livingston, Macomb, Marquette, Menominee, Monroe, Oakland, Ottawa, St. Joseph, Schoolcraft, Washtenaw, Wayne. NV - Washoe New Jersey - Bergen, Essex, Hudson, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, Union. NY - Bronx, Kings, Nassau, New York, Queens, Richmond, Rockland, Suffolk, Westchester. NC - Mecklenburg OH - Cuyahoga, Geauga, Lake, Lorain, Medina, Portgage, Summit, VanWert. WI - Brown, Kewaunee, Oconto.

7Program is for purchase transactions only. At least one qualifying borrower must be a first time home buyer and reside in an eligible census tract within one of the following Metropolitan Statistical Areas: Atlanta-Sandy Springs-Roswell, GA; Baltimore-Columbia-Towson, MD; Brownsville-Harlingen, TX; Chicago-Naperville-Elgin, IL-IN-WI; Cleveland-Elyria, OH; Dallas-Forth Worth-Arlington, TX; Detroit-Warren-Dearborn, MI; Houston-The Woodlands-Sugar Land, TX; McAllen-Edinburg-Mission. TX; Memphis, TN-MS-AR; Miami-Fort Lauderdale-Pompano Beach, FL; New York-Newark-Jersey City, NY-NJ-PA; Oklahoma City, OK; Orlando-Kissimmee-Sanford, FL; Philadelphia-Camden-Wilmington, PA-NJ-DE-MD; Phoenix-Mesa-Chandler, AZ; Riverside-San Bernardino-Ontario, CA; San Antonio-New Braunfels, TX; St. Louis, MO-IL; Tampa-St. Petersburg-Clearwater, FL; Washington-Arlington-Alexandria, DC-VA-MD-WV. Occupying borrowers may not have an ownership interest in any other financed residential properties at the time of closing. Manufactured homes and cooperative properties are not eligible. Minimum credit score, debt-to-income (DTI) requirements, and loan price limits apply.

Flagstar Gift: Borrower(s) must meet the program criteria for first-time homebuyer(s). Down payment and closing cost assistance for owner-occupied, primary residence only. Homeownership counseling may be required. No repayment of gift funds is required. Gift program funds are limited and may not always be available.

A loan-to-value ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase.

8Available to eligible first-time homebuyers statewide and repeat homebuyers. Household income limits apply and can vary depending on family size and property location. Zero-interest, non-amortizing second mortgage loan with no monthly payments: due only upon sale or transfer of the property or if the first mortgage is refinanced or paid in full. Homebuyer education is required. Primary residence only.

9Currency conversion fee may apply to transactions outside the U.S.

10Monthly 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.

11This debit card is issued by Flagstar Bank pursuant to a license from Visa U.S.A. Inc.

12Not all devices supported. Available for eligible personal and business deposit account customers only.

13Visit fdic.gov for more information about FDIC insurance coverage.

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