¹You must be a new personal checking customer of Flagstar Bank. You must open a Flagstar Ready Checking or Flagstar Elite Checking account. Minimum $50 deposit to open checking account. You will receive a $250 credit for Flagstar Ready Checking or a $350 credit for Flagstar Elite Checking into this account as a bonus 91-104 days after an initial deposit is made to the new account (account funding) opened, subject to the following conditions: Within the first 90 days of the account funding (bonus period) you must maintain an average daily Balance of $500 or more and have one or more direct deposits (ACH credits) totaling $500 or more. Additionally, (i) this offer is limited to one checking bonus per household, (ii)Flagstar Ready Checking account must be funded within 90 days of the account opening date, Flagstar Elite Checking account must be funded within 90 days of the account opening date, (iii) early account closure fee and reclamation of bonus may be imposed for accounts closed within 180 days, and (iv) Flagstar Bank employees are not eligible for the offer. If you have been paid a checking cash bonus previously, you are ineligible to receive this offer. For tax purposes, you will receive an IRS form from Flagstar Bank. Offer subject to change or cancellation at any time without notice. Receiving this offer does not guarantee your eligibility. All account applications are subject to our normal approval process. Area restrictions may apply. Offer expires November 30, 2024.

²Once enrolled, Flagstar Bank N.A., will round up your debit card purchases to the nearest whole dollar and transfer the difference from your associated checking account to your eligible savings account to be credited at the end of each day. If on a business day you do not have enough available funds in your checking account, if any transaction has overdrawn your checking account, or if the ending balance is negative, we will not round up purchases. The following exclusions apply: 1) ATM transactions do not qualify 2) Debit card adjustment transactions will not be rounded up 3) If your debit card purchase is canceled or reversed after the round up transfer has been made, the round up transfer will remain in the savings account. We may cancel or modify Round Up at any time without prior notice. You can enroll and opt out of this service through Online Banking.

³Monthly maintenance service charge waived when the combined average daily Balance of the Lead Account and any Linked Account(s) is equal to or greater than $25,000. Linked account must be enrolled in Flagstar Elite Relationship Program. See account disclosure for additional information.

⁴Excludes 10-Day CDs. Offer available to customers enrolled in Flagstar Elite Relationship Program only.

⁵Higher limits apply within 30 calendar days if you are an existing customer or 60 calendar days if you are a new customer.

⁶Currency conversion fee may apply to transactions outside the U.S.

⁷Not all devices supported. Available for eligible personal and business deposit account customers only.

Interest rates are tiered to a maximum amount.

Important information will be provided to you in the disclosures you receive during the account opening process.