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Budgeting and Saving

Debit Card Controls While Traveling 

A women and man sitting by the water holding a debit card

Traveling? Here’s how to protect your account while you’re away.

Your Flagstar Visa® Debit Card comes in handy when you’re on vacation. You can use it to pay for food, overnight stays, and excursions or get cash at an ATM for the kids or for tipping your tour guide. Before you head out this year, here are a few easy ways to keep your card—and account—safe.

 

Is your debit card misplaced, lost, or (yikes) did someone steal it?  

It’s ok. Take a deep breath. The first thing to do is freeze your card so no one can use it. Here’s how:

  • Sign into your Flagstar account on a web browser or our mobile app.
  • Click on Manage Cards, then Controls & Alerts
  • Switch the toggle for Card is ON to Card is OFF.

Find your card? Great! Switch the toggle back to ON and go about your day. If you determine that it’s lost or stolen, keep the setting to OFF, then call us immediately at 888-248-6423 so we can help.

Keep someone from using your card in Miami while you’re in Myrtle Beach.

You can also protect your account by setting geographic boundaries for your debit card. If you’re traveling through Utah, your boundary could be the entire state, Salt Lake City only, or even the 84070 zip code. Here’s how:

  • Sign into your Flagstar account on a web browser or our mobile app.
  • Click on Manage Cards, then Controls & AlertsLocations, toggle My Regions On, and then Add Region

Traveling as a family? You can identify up to three regions so your debit card will work even when the group splits up. That means the kids who are up for a day at Disney World can go with you while the rest of the group heads to the Kennedy Space Center 50 miles away. 

Traveling abroad? You can use My Regions to protect your card from unauthorized use after you’re home. Just choose the setting that blocks all international card use.


Even more settings to customize for your trip and peace of mind.

  • Type of merchant: Choose or prevent spending in various categories, including department stores, entertainment, gas stations, grocery stores, restaurants, and more. There’s also an age-restricted setting for purchases like alcohol, cigarettes, and casinos.
  • Type of transaction: Decide whether your card can be used in stores, online, for automatic and recurring payments, and at ATMs.
  • Spending limits: Set a dollar amount and any transaction that goes over it will be denied.

Whether you’re beachside or on Broadway, you can enjoy your vacation a little more knowing that your debit card has you covered. Bon voyage!

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Earn 5.55% APY1 with Promo Flagstar Savings Plus

Grow your savings with 5.55% APY1 guaranteed for the first 5 months.

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Mobile Wallet

Add your debit and credit cards to your mobile wallet, then just tap your phone when it's time to pay.

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Debit Card Controls

Set transaction limits and card freezes, add cards to Mobile Wallet, and more.

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

Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit visa.com/security.

Promo Flagstar Savings Plus 5.55% APY 

1Annual 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.