Skip to main content
Close

Before you go

You are about to leave flagstar.com and access a site administered by a third-party. The site you are going to may have different privacy and security policies. We recommend that you review these policies on the linked site. If you choose to proceed, a new browser window will open. To return to flagstar.com, close the new browser window.

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.

Bank on the go with our  Mobile App5

Our Mobile App lets you pay bills, send money with Zelle,® deposit checks,9 and much more. Add this easy-to-use app to your Android or iPhone and manage your money on your schedule.10

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 maintenance fee waived by enrolling in electronic statements OR $500 or more in total direct deposits (ACH credits) each statements cycle OR primary account holder is 24 years old or younger2
  • 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

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.

Finger clicking to apply

Apply for a personal checking account today

You can open a checking account anytime, day or night. It’s simple, secure, and takes just minutes. Get started with an initial deposit of $50.

step 1 icon

Verify your identity

We'll perform a quick security check to protect your information. You need to be at least 18 and provide your Social Security number.

step 1 icon

Tell us about yourself

Here’s where you enter your info, like name and address, any joint owners, and identification (e.g., driver’s license, state ID, or passport).

step 1 icon

Make a deposit

Add money with an online transfer (have the routing and account numbers for an existing account ready) or at a branch.

Person and location symbol

Rather open an account in person? Find your nearest branch.

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

2When the primary account owner reaches 25 years old, age can no longer be used to avoid the monthly service fee.

3Monthly 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.

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.

6Visit fdic.gov for more information about FDIC insurance coverage.

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

8Higher limits apply within 30 calendar days if you are an existing customer or 60 calendar days if you are a new customer.

9Not 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.

10Apple 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 Performance Savings

11Annual Percentage Yield (APY) is accurate as of 6/15/2025. Tier 1 $0 – $9,999.99 features an annual percentage yield of 0.10%. Tier 2 $10,000.00 – $24,999.99 features an annual percentage yield of 0.10%. Tier 3 $25,000.00 – $49,999.99 features an annual percentage yield of 4.00%. Tier 4 $50,000.00 – $99,999.99 features an annual percentage yield of 4.00%. Tier 5 $100,000.00 – $499,999.99 features an annual percentage yield of 4.00%. Tier 6 $500,000.00+ features an annual percentage yield of 4.00%. The interest rate(s) and annual percentage yield(s) are variable and may change at any time before or after the account is opened. Initial minimum opening deposit to earn the higher interest rate on the Flagstar Performance Savings account is $25,000 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 90 days of the approval date, and (ii) early account closure fee may be imposed for accounts closed within 180 days. 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. The maintenance service charge will be waived if you are the tax reported owner on this account and you are an owner on a Flagstar personal checking account. 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.