What is Mobile Deposit?

Mobile Deposit1 is an easy way to deposit checks directly to your account using the camera on your phone. It features the same multi-layer security you experience when you log in from your desktop computer. The check must be from a U.S. bank account. Here’s how to set it up: Sign the back of your check and write For Flagstar Mobile Deposit Only below your signature. Log in to the Flagstar Mobile Banking app and select Deposit. Select the account for your deposit and enter the amount of the check. The app will guide you to take photos of the front and back of the check. Double-check that everything is correct, then select Submit. You should receive an email once your deposit is submitted. 1 Not 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.

What types of checks are not eligible for Mobile Deposit?

Mobile Deposit is a convenient way to deposit many types of checks, but there are some exceptions. Of course, it won’t work with checks made out to other people, altered checks, suspicious checks, or checks that have already been deposited or cashed. Mobile Deposit also cannot accept the following: Checks that are unreadable Checks to more than one person, unless all payees are signers on your account Checks dated more than 6 months before the date of deposit Checks drawn on banks located outside the U.S. Checks drawn on U.S. banks in a foreign currency Electronic check images previously converted to substitute checks

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Mobile Banking Demos

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How to deposit checks

Follow the guided steps to capture your check, confirm the amount, and deposit it through the Flagstar Mobile app.

The Flagstar Mobile App is rated 4.7 out of 5 on the Apple App Store as of 7/1/2026.

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.

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FAQs

Mobile Deposit¹ is an easy way to deposit checks directly to your account using the camera on your phone. It features the same multi-layer security you experience when you log in from your desktop computer. The check must be from a U.S. bank account.

Here’s how to set it up:

Sign the back of your check and write For Flagstar Mobile Deposit Only below your signature.
Log in to the Flagstar Mobile Banking app and select Deposit.
Select the account for your deposit and enter the amount of the check.
The app will guide you to take photos of the front and back of the check.
Double-check that everything is correct, then select Submit.

You should receive an email once your deposit is submitted.

¹ Not 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.

Mobile Deposit is a convenient way to deposit many types of checks, but there are some exceptions.

Of course, it won’t work with checks made out to other people, altered checks, suspicious checks, or checks that have already been deposited or cashed.

Mobile Deposit also cannot accept the following:

Checks that are unreadable
Checks to more than one person, unless all payees are signers on your account
Checks dated more than 6 months before the date of deposit
Checks drawn on banks located outside the U.S.
Checks drawn on U.S. banks in a foreign currency
Electronic check images previously converted to substitute checks

We do everything we can to make your Online and Mobile Banking experience as secure as possible. Each transaction is equipped with high-tech protection allowing you to bank with peace of mind.

When you log in using your mobile device, you are logging in with the same multi-layer security that is used as if you logged on from your desktop computer. We confirm your credentials along with the device you are using.

We also provide a comprehensive suite of security features so you can stay in control of your account 24/7. With Debit Card Controls, you can freeze your card, set spending limits, and more. Account Alerts keep you in-the-know with real-time information. Set up Touch and Face ID in your Flagstar Mobile Banking app for added protection.