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Personal Checking Accounts

Checking Accounts

Looking for a checking account that’s designed to fit right where you are in life? SimplyChecking products recognize the relationship you build with Flagstar. Select from four different checking accounts.

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Find the right account for your needs.

A checking account is a great choice for making money management simple. Learn more and open a checking account that fits your needs today.

SimplyChecking

If simplicity is key, this is the no-frills account for you. You’ll have the ability to write checks, access your cash, bank online or with your mobile phone1—even pay bills electronically.

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SimplyPlus+ CheckingSM

If you usually keep a balance of $1,000 or more and want your deposits to earn interest2, this is an account designed to help you save.

To apply call (866) 970-1691 Learn more

SimplyAccess Checking

Just the vital essentials: the convenience of a debit card, personal checks, and online and mobile banking.1 You can even pay your bills electronically.

 

To apply call (866) 970-1691 Learn more

SimplySelect Checking

If you’d like your checking account deposits to also earn interest,2 this account was created for you.

 

To apply call (866) 970-1691 Learn more

SimplyMax® Checking

Get the most out of your checking account—from services to interest.

 

To apply call (866) 970-1691 Learn more

SimplyOne

Avoid overdrafts and being assessed Non-Sufficient Funds fees with this “checkless” account.

To apply call (866) 970-1691 Learn more

All checking accounts come with:

Online Banking
ONLINE BANKING AND BILL PAY
Mobile Banking
MOBILE BANKING WITH MOBILE DEPOSIT1
FREE VISA® DEBIT/ATM CARD3
FREE ACCESS TO A NETWORK OF OVER 56,000 ALLPOINT AND PRESTO ATMS WORLDWIDE4
$
OVERDRAFT PROTECTION OPTIONS5
Get Started
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You may also be interested in:

Savings Accounts
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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.

 

1Not all devices supported. Available for eligible personal and business checking and savings account customers only. CD customers may view their balance and account activity only. Must be an active personal online banking user. Must be a customer for a minimum of two business days. Accounts must be in good standing.

 

2Interest rates are tiered to a maximum amount. View interest rates.

 

3This debit card is issued by Flagstar Bank pursuant to a license from Visa U.S.A. Inc.

 

4Currency conversion fee may apply to transactions outside the U.S.

 

5Bounce protection is not available for SimplyOne accounts.

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Flagstar has been named one of the Top 100 Banks by GOBankingRates.
Flagstar has been named one of the Top 100 Banks by GOBankingRates.
Flagstar is proud to be recognized by Forbes as one of America’s Best Banks.
Flagstar is proud to be recognized by Forbes as one of America’s Best Banks.