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FLAGSTAR MILITARY CHECKING

Checking accounts for active-duty military members and veterans

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

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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 worldwide1, and a painless way to build up your savings.

Requirements and fees

  • $0 monthly service charge for active and former military personnel
  • $50 minimum opening deposit
  • No minimum balance requirement
Find a branch →
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Secure your account with Debit Card Controls and Account Alerts

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Premium interest rates for CDs2

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Six Non-Flagstar ATM fees waived each statement cycle if you use any out-of-network U.S. ATM3

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A free box of checks every year

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Get peace of mind with overdraft options

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Online and Mobile Banking,4 with 24/7 free access to your credit score

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FDIC-insured up to at least $250,000 per depositor5


Requirements and fees

  • $50 minimum opening deposit
  • $0 monthly service charge for active and former military personnel
  • No minimum balance requirement

What features and tools are included with Flagstar Checking Accounts?

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Flagstar Visa® Debit Card6

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

Stay in the know with transaction alerts, payment reminders, and more.
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Debit Card Controls

Freeze your card, set spending limits, and stay in control.
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Mobile Check Deposit7

Sign the back, snap a pic, and send. It’s that easy.
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Over 300 Branches and Free Access to 56,000+ ATMs1

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.

Bank on the go with our  Mobile App

Our Mobile App lets you pay bills, send money with Zelle,® deposit checks,7 and much more. Add this easy-to-use app to your Android or iPhone and manage your money on your schedule.8

4.7 out of 5 on the Apple App Store as of 6/1/2026

4.7 out of 5 stars
visit the following URL to download our app from the apple store: https://apps.apple.com/us/app/flagstar-mobile-banking/id972805390 or Visit the following URL to download our app the Android URL https://play.google.com/store/apps/details?id=com.mynycb.nycb&hl=en_US&gl=US

Scan this code with your phone’s camera to download the Flagstar Mobile App from the Apple App Store or Google Play Store.

Learn more
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Military checking FAQs

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.

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.

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 statement cycle OR primary account holder is 24 years old or younger9
  • 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

 

Switch to Flagstar: 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.

Learn more

Apply for a military checking account today

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Visit us

Stop by your 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.

Learn more
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You may also be interested in:

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Earn 3.20% APY10 with Flagstar Performance Savings

Grow your money with a great savings rate.
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Flagstar Visa® Credit Cards

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

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

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

3Fees may be charged by non-Flagstar ATM owners.

4Not all devices supported. Available for eligible personal and business deposit account customers only.

5Visit fdic.gov for more information about FDIC insurance coverage.

6This debit card is issued by Flagstar Bank pursuant to a license from Visa U.S.A. Inc.

7Not 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.

8Apple 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.

9When the primary account owner reaches 25 years old, age can no longer be used to avoid the monthly service fee.

Flagstar Performance Savings

10Annual Percentage Yield (APY) is accurate as of 6/22/2026. 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 3.20%. Tier 4 $50,000.00 – $99,999.99 features an annual percentage yield of 3.20%. Tier 5 $100,000.00 – $499,999.99 features an annual percentage yield of 3.20%. Tier 6 $500,000.00+ features an annual percentage yield of 3.20%. 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.