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Earn up to $5001 when you refer friends and family to Flagstar. Learn more

FLAGSTAR READY CHECKING

 

Your everyday, no minimum balance checking account
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Started an application? Complete application.

Key features that make this account right for you

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No monthly fee with
e-statements

Multiple options2 to waive $3 monthly maintenance fee including signing up for e‑statements.

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No monthly minimum balance

There is not a requirement to keep a specific balance in this account.

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Security features to keep you protected

Monitor your account 24/7 with Account Alerts and Debit Card Controls.

Open online today, with no minimum balance requirement

Account features

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Stay protected with Debit Card Controls and Account Alerts

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Round Up with Flagstar®, an easy way to grow your savings

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Details & ways to waive fees

  • $50 minimum opening deposit
  • $3 monthly maintenance fee waived by enrolling in electronic statements OR $500 or more in total direct deposits (ACH credits) each statement cycle OR primary account holder is 24 years old or younger6
  • No minimum balance requirement
  • FDIC-insured up to at least $250,000 per depositor7
  • Must be 18 years of age or older

Bank on the go with our  Mobile App

Our Mobile App lets you pay bills, send money with Zelle,® deposit checks,8 and much more. Add this easy-to-use app to your Android or iPhone and manage your money on your schedule.9

4.7 out of 5 on the Apple App Store as of 9/1/2025

4.7 out of 5 stars
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.

Learn more
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FAQs for Flagstar Ready Checking

Yes! Flagstar is an FDIC-insured bank, which means customer deposits are insured up to at least $250,000 per depositor for each deposit category.

Yes, when you open a Flagstar Ready Checking account, you’ll receive a Flagstar Visa® Debit Card. You can use it to make purchases online or in person, pay bills, and withdraw cash from over 56,000 in-network ATMs.

Flagstar Ready Checking is an account with no minimum balance requirement. The way overdrafts are handled depends on the specific situation. Visit our Overdraft Protection and Services page for the complete rundown.

$3 monthly maintenance fee waived by enrolling in electronic statements OR $500 or more in total direct deposits (ACH credits) each statement cycle OR primary account holder is 24 years old or younger6

Whether you open an account online or at a branch, please have the following information available:

  • Name
  • Address
  • Mobile phone number (to verify your identity if you open an account online)
  • Date of birth
  • Social Security number or other identification number
  • Valid identification (such as driver's license, state ID, or passport)

 

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How to switch your account to Flagstar

When you decide to make the switch to Flagstar, we'll help make the transition easy.
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Keeping your account secure

Discover the range of trusted security measures we employ so you can bank with peace of mind.

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.

Interest rates are tiered to a maximum amount.

2Monthly service charge can be waived by meeting one of the following conditions: Enroll in electronic statement OR $500 or more in total direct deposits (ACH credits) each statement cycle OR primary account holder is 24 years old or younger. When primary account owner reaches 25 years old, age can no longer be used to waive monthly service fee.

3This debit card is issued by Flagstar Bank pursuant to a license from Visa U.S.A. Inc.

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

5Currency conversion fee may apply to transactions outside the U.S.

6When the primary account owner reaches 25 years old, age can no longer be used to avoid the monthly service fee.

7Visit fdic.gov for more information about FDIC insurance coverage.

8Not 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.

9Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android, Google Play, and the Google Play logo are trademarks of Google Inc.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.