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BUDGETING AND SAVING

Your 1099-INT tax form is available

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Did your Flagstar account earn at least $10 last year? Whether it was from interest or a cash bonus, the IRS wants to know about it.

For most taxpayers, checking and savings account interest is considered income. Whether you pay tax on it or not depends on the rest of your return, including your total taxable income, deductions, and other factors.

 

Where to find your 1099-INT form

f you’ve signed up for e-statements, your 1099-INT became available on January 31. Here’s how to find it:

  • Log in to your Flagstar account with online or mobile banking.
    • Under Quick Links, select Statements & Documents.
      • If a popup screen appears, click Continue.
        • On the next screen, you’ll see your account statements and tax documents. (You may have to scroll to see everything.) Choose View Tax Documents.
          • Select the 1099 INT form for your tax year.

What if you receive paper statements?

We mailed your 1099-INT form on or before January 31, so it should arrive by mid-February.

For faster and more secure delivery of your 1099-INT and all your account documents, we recommend signing up for e-statements. It’s a convenient service that you can access anytime through online or mobile banking.

 

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Earn 4.00% APY1 with Flagstar Performance Savings

Grow your money with a great savings rate.

Flagstar Performance Savings

1Annual Percentage Yield (APY) is accurate as of 9/23/2025. Tier 1 $0 – $9,999.99 features an annual percentage yield of 0.10%. Tier 2 $10,000.00 – $24,999.99 features an annual percentage yield of 0.10%. Tier 3 $25,000.00 – $49,999.99 features an annual percentage yield of 4.00%. Tier 4 $50,000.00 – $99,999.99 features an annual percentage yield of 4.00%. Tier 5 $100,000.00 – $499,999.99 features an annual percentage yield of 4.00%. Tier 6 $500,000.00+ features an annual percentage yield of 4.00%. The interest rate(s) and annual percentage yield(s) are variable and may change at any time before or after the account is opened. Initial minimum opening deposit to earn the higher interest rate on the Flagstar Performance Savings account is $25,000 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 90 days of the approval date, and (ii) early account closure fee may be imposed for accounts closed within 180 days. 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. The maintenance service charge will be waived if you are the tax reported owner on this account and you are an owner on a Flagstar personal checking account. 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.