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Flagstar Military Checking

It's mission-ready checking with no monthly fees, exclusively for active duty and veteran military personnel. 

Keep an eye on your money with a checking account that’s always on duty.

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Anytime, anywhere access

Sign in to Online and Mobile Banking1 at home, overseas, and everywhere in between.

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A no-monthly-fee checking account

So you can keep more money in your pocket.

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A free box of checks every year

Choose from two patriotic designs: Heroes or Let Freedom Ring.

Military checking perks designed for you and your family

With Military Checking, you’ll get access to premium banking features, like no minimum balance, free access to 56,000 ATMs worldwide2, and a painless way to build up your savings. 

Account features

  • Premium rates for CDs3
  • Six Non-Flagstar ATM fees waived each statement cycle if you use any out-of-network U.S. ATM4
  • Optional overdraft protection
  • Free box of Flagstar custom checks or Let Freedom Ring and Heroes style checks-once per year
  • Pay with confidence

Requirements and fees

  • $50 minimum opening deposit
  • $0 monthly service charge for active and former military personnel

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? 

Maximize your military checking experience

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

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Flagstar Visa® Debit Card5

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

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Online and Mobile Banking1

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

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Over 400 Branches and Free Access to 56,000+ ATMs2

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

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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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Money Center 

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

Bank on the go with Mobile Banking.1

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.7

Military checking FAQs

Not currently. To open a Flagstar Military Checking account, stop by your local branch with a valid government-issued ID, and we’ll walk you through the steps.

Yes, veterans and active servicemembers can open Flagstar Military Checking accounts with no monthly fee and one free book of checks every year.

Yes, Flagstar Military Checking is designed for active and former military personnel, as well as their family members who are joint owners on the account.

Apply for a military 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.

VA Home Loans

An easier, more affordable way for eligible active service members, veterans, and surviving spouses to qualify for a loan from the U.S. Department of Veterans Affairs.

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Earn 5.55% APY8 with Promo Flagstar Savings Plus

Grow your savings with 5.55% APY8 guaranteed for the first 5 months.

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Flagstar Visa® Credit Cards

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

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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.

1Not all devices supported. Available for eligible personal and business deposit account customers only.

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

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

4Fees may be charged by non-Flagstar ATM owners.

5This debit card is issued by Flagstar Bank pursuant to a license from Visa U.S.A. Inc.

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.

7Apple 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 

8Annual 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.