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Switch to checking with all the essentials, plus an extra $2501.

Open a Flagstar Ready Checking account and get a $250 cash bonus1.

Limited-time Flagstar Ready Checking account offer.

Expires May 31, 2024.

Flagstar Ready Checking

Flagstar Ready Checking offers all the essentials and added perks.

  • No minimum balance requirement
  • Zero monthly maintenance fees when you enroll in e-statements
  • Round Up with Flagstar™2 lets you save the change whenever you use your debit card
  • Optional overdraft protection

Steps to get a cash bonus:

  1. Open a Flagstar Ready Checking account online or at your local branch.
  2. Maintain an average daily balance of $500 or more for the first 90 days.
  3. Set up direct deposits (ACH credits) totaling $500 or more in the first 90 days.
  4. Get your $250 cash bonus1.

Flagstar Ready Checking is designed to meet your needs.

Access 56,000 fee-free ATMs3

Use any ATM in the Allpoint and Presto global network.

Bank anytime, anywhere

Download Flagstar Mobile Banking4 to your phone.

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Avoid $3 monthly fee

All you have to do is sign up for e-statements.

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No minimum balance

So you can breathe a little easier.

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Save using Round Up with FlagstarTM2

Round your debit card purchases up to the next dollar and put the difference into your savings.

Get started today.

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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.

We reserve the right to change account benefits at any time without notice. Certain restrictions may apply. Please see the complete Disclosure Guide for additional details.

1You must be a new personal checking customer of Flagstar Bank. You must open a Flagstar Ready Checking account. Minimum $50 deposit to open checking account. You will receive a $250 credit 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)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 May 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. 

3Currency conversion fee may apply to transactions outside the U.S.

4Not all devices supported. Available for eligible personal and business deposit account customers only.

Flagstar Bank, 102 Duffy Avenue Hicksville, New York 11801