FDIC-Insured—Backed by the full faith and credit of the U.S. Government
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Before you go
Call us at 888-248-6423
Monday–Friday: 8 a.m.–10 p.m. ET
Saturday–Sunday: 8 a.m.–5 p.m. ET
Flagstar and legacy NYCB customers
Our routing number is 226071004
Note: If you have existing transactions that use a previous routing number, they will continue to be processed as usual. This includes checks, direct deposit, automatic withdrawals, etc.
The next time you order checks, please use the routing number above.
Legacy Signature customers
Our routing number is 026013576
You can find your account number in the following places:
- On your checks (checking and money market accounts only)
- Online Banking
- Flagstar Mobile Banking
ATM cards: Flagstar is no longer issuing new ATM cards. A debit card can be provided with limitations placed on it so that it only functions like an ATM card.
Debit cards: Order a new debit card at a branch or call Flagstar Customer Service at 888-248-6423 during regular business hours. It usually takes 7-10 business days to receive your new debit card.
Before you order new checks, have our routing number (226071004), your account number, and your zip code available. Here are three ways to order checks anytime, day or night:
- Visit the Harland Clarke website at ordermychecks.com
- Call 800-355-8123
- Sign in to Online Banking, select your account, then More Actions, then Order Checks
Funds from electronic direct deposits will be available on the effective date of the deposit. If we are notified of a deposit in advance, it may show as Pending in online banking until it posts.
If you make a cash deposit in person to one of our employees, funds are available on the next business day of your deposit. If you do not make your deposit in person to one of our employees, funds from cash deposits may not be available until the second business day after the day we receive your deposit. For example, a cash deposit made at one of our ATMs on Monday may not be available until Wednesday.
Generally, check deposits made in person, via Mobile Deposit, or at an ATM will provide $275 available no later than the next business day with the remaining funds available no later than the second business day after the deposit is made. So, if you deposit a check of $700 on Monday, $275 will be available no later than Tuesday, and the remaining $425 will be available no later than Wednesday.
There are certain circumstances which could cause a longer delay in funds being available. When those apply, we will provide notice to you. Please refer to your Disclosure Guide for additional information.
If you are logging in to Online Banking and have forgotten your password, click on the Forgot Password link located on the login screen. From there, follow the prompts to reset your password. If you have forgotten your username, click on the Forgot Username link located on the login screen. From there, follow the prompts to recover your username.
If you are logging in to the Flagstar Mobile App and forgot your User ID and/or password, select the Trouble logging in? link from the Flagstar Mobile App homepage and follow the instructions.
If a password is entered incorrectly three times, it will become locked. To unlock the password, please call 888-248-6423.
Call 888-248-6423 and select option 2 for Card Support if your ATM or Flagstar Visa® Debit Card is missing. We will restrict the card from being used and send you a new card.
If you think you simply misplaced your card, you can use Debit Card Controls to put a freeze on it and block unauthorized use. Sign in to Online Banking, select Profile and Settings, then Debit Card Controls.
You can call 888-248-6423 or visit a Flagstar branch.
Mobile App Demos
Learn how to use the Flagstar Mobile App with these step-by-step interactive demos.
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Banking, online, and loan support
Get questions answered about your accounts, as well as online and mobile banking.
888-248-6423
Monday–Friday: 8 a.m.–10 p.m. ET
Saturday–Sunday: 8 a.m.–5 p.m. ET
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Manage your account 24/7 through an automated phone system—anytime, anywhere.
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