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Flagstar One Checking

A low-cost checking account with no overdraft fees. 

Keep more money in your pocket with Flagstar One Checking.

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No overdraft fees

We won't charge you overdraft fees on your account.

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Checkless account

Use your Flagstar Visa® Debit Card1 for purchases and bills or pay digitally.

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Just $1 to open

And no minimum balance after that.

Simple, affordable banking

Managing your money is easy with Flagstar One Checking. This checkless checking account lets you ditch the checks, conveniently pay bills, and make purchases with your Flagstar Visa® Debit Card. You can also grow your savings by enrolling in Round Up with Flagstar. This service rounds up your debit card purchases to the next dollar and puts the difference into your Flagstar savings account.

BankOn certified logo

Certified low-cost checking account

This Bank On certified account meets specific standards around cost, functionality, and consumer safety, making banking accessible to more people in the community.

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

Choose your favorite way to pay with a Flagstar Visa® Debit Card.1 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 Card1

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

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Online and Mobile Banking2

Bank on your schedule. Make deposits4 and transfers, pay bills or people—anytime, anywhere.

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56,000+ Flagstar ATMs3

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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Round Up with FlagstarTM

Round your purchases up to the next dollar and put the difference into a savings account.

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Pay with Confidence

Learn how we help you manage your transactions.

Bank on the go with Mobile Banking.2

Mobile Banking lets you pay bills, move money, deposit checks,4 and much more. Add this easy-to-use app to your Android or iPhone and manage your money on your schedule.5

Apply for a low cost 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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My Credit Score

Check your credit score anytime with Online and Mobile Banking.

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Online and Mobile Banking

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

We reserve the right to change account benefits at any time without notice. Certain restrictions may apply. Please see the complete Disclosure Guide for additional details.

Interest rates are tiered to a maximum amount.

1This debit card is issued by Flagstar Bank pursuant to a license from Visa U.S.A. Inc.

2Not all devices supported. Available for eligible personal and business deposit account customers only.

3Currency conversion fee may apply to transactions outside the U.S.

4Not 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.

5Apple 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.

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