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.S2.

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 CDs3
  • Higher transfer and mobile deposit4 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.5 Who knew paying for things could be so much fun? 

Benefits that put your checking account to work

Icon depicting debit cards

Flagstar Visa® Debit Card5

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 Banking6

Bank on your schedule. Make deposits7 and transfers, pay bills or people—anytime, anywhere.

Icon with cash coming out of a slot

56,000+ Flagstar ATMs2

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

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 with a card and checkmark

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 deposits8

Free box of standard checks every year





Preferred CD rates3



Dedicated client service line



Higher transfer and mobile deposit4 limits



Bank on the go with Mobile Banking.6

Mobile Banking lets you pay bills, move money, deposit checks,7 and much more. Add this easy-to-use app to your Android or iPhone and manage your money on your schedule.9

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.
Savings Accounts

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

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. 

1Rate 7.325% with an APR of 7.483% as of 4/17/2024 2:38 PM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount, and origination fee of $1,295 with 360 monthly payments in the amount of $1,649. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.  

2Currency conversion fee may apply to transactions outside the U.S.

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

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