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Get a cash bonus1 up to $350 when you open a new checking account.

Two ways to upgrade your banking.

Flagstar Ready Checking

Flagstar Ready Checking offers all the essentials plus added perks. Enjoy peace of mind with overdraft protection and no minimum balance.

  • No minimum balance requirement
  • Zero monthly maintenance fees when you enroll in e-statements
  • Round Up with Flagstar™ lets you save the change whenever you use your debit card2

Get an account with all the essentials, plus a

$250 Cash Bonus1

Flagstar Elite Checking

Flagstar Elite Checking is packed with perks like higher interest, dedicated service, and higher transfer and mobile deposit limits.

  • $1,000 minimum balance to earn monthly interest
  • $15 monthly service charge, waived when you maintain a $25,000 combined monthly average balance in your Flagstar personal deposit accounts3
  • Premium interest rates for CDs4
  • Higher transfer and mobile deposit5 limits

Get an account that lets you spend and save, plus a

$350 Cash Bonus1

Limited-time checking account offer.

Get a cash bonus1 up to $350 with a new Flagstar checking account.

Expires July 31, 2024.

Earn your cash bonus by completing three simple steps:

  1. Open a Ready Checking or Elite Checking account with $50 or more.
  2. Maintain an average daily balance of $500 or more for the first 90 days.
  3. Set up one or more direct deposits totaling $500 or more in the first 90 days

We offer checking solutions designed to meet your needs.

Access 56,000 fee-free ATMs6

Use any ATM in the Allpoint and Presto global network.

Bank anytime, anywhere

Download Flagstar Mobile Banking7 to your phone.

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Nearly 400 branches

Locations in Arizona, California, Florida, Indiana, Michigan, New Jersey, New York, Ohio, and Wisconsin.

Get started today with
Flagstar Ready Checking

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Open an account online

Open an account anytime, day or night. It’s easy and secure.

Apply at your local branch

We’ll walk you through it. Stop by the nearest branch to open an account in person.

Get started today with
Flagstar Elite Checking

Apply at your local branch

We’ll walk you through it. Stop by the nearest branch to open an account in person.

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 60 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 July 31, 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.

Flagstar Bank, 102 Duffy Avenue Hicksville, New York 11801