FDIC-Insured—Backed by the full faith and credit of the U.S. Government
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Before you go
Life moves fast. So does Ready Checking.
Avoid $3 monthly fee
All you have to do is sign up for e-statements.
Overdraft protection
Get peace of mind with different overdraft options.
No minimum balance
So you can breathe a little easier.
Requirements and fees
- $50 minimum opening deposit
- $3 monthly service charge, waived when you enroll in e-statements
- No minimum balance requirement
Maximize your checking experience
Every Flagstar checking account comes with easy ways to manage and
move your money.
Bank on the go with our Mobile App2
Our Mobile App lets you pay bills, send money with Zelle,® 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
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, 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.
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.
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
Whether you open a Flagstar checking account online or at a branch, please have the following information available:
- Name
- Address
- Mobile phone number (to verify your identity if you open an account online)
- Date of birth
- Social Security number or other identification number
- Valid identification (such as driver's license, state ID, or passport)
Easy to open online. Easy to set up.
You can open a checking account anytime, day or night. It’s simple, secure, and takes just minutes. Get started with an initial deposit of $50.
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.
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).
Make a deposit
Add money with an online transfer (have the routing and account numbers for an existing account ready) or at a branch.
Rather open an account in person? Find your nearest branch.
Switching banks is easy: 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.
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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.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.