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Flagstar Ready Checking

Be ready for whatever is around the corner with our no minimum balance checking account.

Life moves fast. So does Ready Checking.

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Avoid $3 monthly fee

All you have to do is sign up for e-statements.

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Overdraft protection

Get peace of mind with different overdraft options.

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No minimum balance

So you can breathe a little easier.

Stay a step ahead with Ready Checking

No matter how much you plan, life is full of surprises, like an unexpected bill or an out-of-the-blue bonus. Ready Checking’s no minimum balance checking account can help you navigate life’s twists and turns so you can face whatever comes your way with confidence.

Requirements and fees

  • $50 minimum opening deposit
  • $3 monthly service charge, waived when you enroll in e-statements
  • No minimum balance requirement

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? 

Maximize your checking experience

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

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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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Over 400 Branches and Free Access to 56,000+ ATMs3

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.

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Easy to open online. Easy to set up.

You can open an account anytime, day or night. It’s simple, secure, and takes just minutes. Get started with an initial deposit of $50.

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Verify your identity.

We'll perform a quick security check to protect your information. You need to be at least 18 and provide your Social Security number.

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Tell us about yourself.

Here’s where you enter your info, like name and address, any joint owners, and identification (e.g., driver’s license, state ID, or passport).

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Make a deposit.

Add money with an online transfer (have the routing and account numbers for an existing account ready) or at a branch.

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

FAQs for Flagstar Ready Checking

Here’s how we handle checking account fees:

  • Flagstar Ready Checking: $3 monthly service charge, which you can avoid by enrolling in paperless statements
  • 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


Flagstar Ready Checking is an account with no minimum balance requirement. The way overdrafts are handled depends on the specific situation. Visit our Overdraft Protection and Services page for the complete rundown.

Yes, when you open a Flagstar Ready Checking account, you’ll receive a Flagstar Visa® Debit Card. You can use it to make purchases online or in person, pay bills, and withdraw cash from over 56,000 in-network ATMs.

Apply for a Ready Checking account today

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Open an account online

Open an account anytime, day or night. It’s easy and secure.

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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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Earn 5.55% APY6 with Promo Flagstar Savings Plus

Grow your savings with 5.55% APY6 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.

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.

Promo Flagstar Savings Plus 5.55% APY 

6Annual Percentage Yield (APY) is accurate as of 6/25/2024. 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.