Skip to main content
FDIC Logo

FDIC-Insured—Backed by the full faith and credit of the U.S. Government

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.

Continue

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. 

Find a branch →
Service memeber holding a child and smiling

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 →
Image of shield and person

Secure your account with Debit Card Controls and Account Alerts

Image of tag with dollar sign and letters CD in circle overlaying

Premium interest rates for CDs2

Icon of six free atm fees waived

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

Icon of paper check and pen

A free box of checks every year

Image of debit card and dollar sign

Get peace of mind with overdraft options

Image of desktop computer and phone

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

Image of shield with dollar sign

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?

Icon depicting debit cards

Flagstar Visa® Debit Card6

A secure, convenient way to pay wherever Visa is accepted—which is practically everywhere.
Icon of a bell with an exclamation mark

Account Alerts

Stay in the know with transaction alerts, payment reminders, and more.
Icon of a credit card with a gear

Debit Card Controls

Freeze your card, set spending limits, and stay in control.
Icon of a paper check and a smartphone

Mobile Check Deposit7

Sign the back, snap a pic, and send. It’s that easy.
Icon with cash coming out of a slot

Over 300 Branches and Free Access to 56,000+ ATMs1

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

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 7/1/2026

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
Images of the login and alerts screens of mobile banking

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

Icon indicating person and branch team member conversing

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
Image of a male soldier holding a flag and a hugging a young child in front of a house

You may also be interested in:

Family making cookies in kitchen

Earn 3.75% APY10 for 6 months

Growth, access, and certainty with a new Flagstar Ready Savings account.
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, and more.
Image of a person sitting with a laptop computer

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 Ready Savings

10Annual Percentage Yield (APY) is accurate as of 7/12/2026. A promotional annual percentage yield of 3.75% is available on balances greater than or equal to $10,000 for the first 180 days after account opening. Balances at or below $9,999.99 do not qualify for this promotional rate and are subject to the current non-promotional interest rate applicable to this account type. At the end of the 180-day promotional period, the interest rate and APY will revert to the then-posted non-promotional rate(s) applicable to this account type. The interest rate(s) and annual percentage yield(s) are variable and may change at any time before or after the account is opened. To qualify, you must be a new personal savings client of Flagstar Bank and open a Flagstar Ready Savings account. An initial minimum opening deposit of at least $10,000 is required and must be "new money," which is defined as money that is not currently on deposit in any Flagstar Bank account; money moved from any Flagstar Bank affiliate or subsidiary account or funded from a Flagstar/affiliate loan or line of credit does not qualify. For purposes of this offer, funds from maturing certificate of deposit accounts held at Flagstar Bank will be considered eligible. The account must remain open for the full 180-day promotional period. This offer is limited to one promotion per household. If any signer on this account has previously received a savings promotion from Flagstar Bank, you are ineligible for this offer. This offer cannot be combined with any other offers or promotions. An early account closure fee may be imposed for accounts closed within 180 days. Flagstar Bank employees are not eligible for this offer. Offer subject to change or cancellation at any time without notice. Receiving this offer does not guarantee eligibility. All account applications are subject to our normal approval process. Personal accounts only. Area restrictions may apply.

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