Traveling without access to a computer? No problem.

Stay connected with improved mobile banking1 from Flagstar and bank anywhere, anytime.

You can easily:
  • View account balances and deposit account transactions
  • Save time with mobile check deposit2
  • View check images
  • Pay bills
  • Transfer funds
  • View and cancel pending payments
  • See account balances instantly
  • Receive text alerts
  • Use Popmoney®3 to pay another person
  • Locate ATMs, branches, and loan centers
  • Log in with Touch ID on eligible iPhones and iPads4

For iPhone, iPad, or Android users, download the app from the Apple® App Store℠ or Google PlayTM. No additional registration is necessary.

Mobile Banking General FAQs

Open/Close all questions

May I use Flagstar's mobile banking if I don't have a Flagstar online banking username?

Which services does mobile banking1 include?

What is text banking?

What are the keywords for text banking?

What are instant balances?

Is there a fee to use Flagstar's mobile banking?

I keep getting locked out of my account when I try to log in on my mobile phone. Why doesn't it accept my login information?

What does "standard text and data rates may apply" mean?

Can I download an app for my iPad?®

Can I download an app for my Android tablet?

Will the locator service show me locations where I can access fee-free ATMs?

Mobile Check Deposit FAQs

Can I deposit checks using my smartphone or tablet?

Is there a fee to use mobile check deposit?

What are my daily deposit limits?

Will I have any funds available immediately after depositing a check?

What happens if I attempt to deposit a check that is non-eligible for mobile deposit, like an international check?

What happens if I accidentally deposit the same check twice?

How many days of check deposit history can I see?

How long should I keep my deposited checks?

Why am I not able to access mobile deposit?



Mobile Check Deposit Tips

Tips for taking a good photo of your check:
  1. Take photo in a well-lit area
  2. Prevent glare—do not use your flash
  3. Avoid shooting from angles to ensure check appears correctly
  4. Place check on an even surface to avoid angles and blurring of image
  5. Ensure all aspects of check are included in the picture
  6. Hold phone steady while shooting
  7. Place the check on a dark  or a contrasting surface
  8. Place the back of the check with the endorsement signature on the right hand side
Additional points to consider:
  • Make sure information on check is legible
  • Check amounts (those written both numerically and spelled out) should match
  • Make sure check has been endorsed by all appropriate parties, i.e. if the check is written out to you and another individual,you both most endorse the check. If check is written to you or an additional person, (as indicated by “Jessica or Lisa Thomas” or “Jessica/Lisa Thomas”) only one of you needs to sign.

Ineligible items include:
  • Checks not payable to the account owner
  • Altered checks, or suspect checks
  • Checks payable jointly, unless deposited into an account with the names of all payees
  • Checks dated more than six months prior to the date of deposit or in the future
  • Checks drawn against a line of credit
  • Checks drawn on banks located outside the US
  • Checks drawn on US banks in a foreign currency
  • Electronic check images of items previously processed
  • Electronic check images previously converted to substitute checks
  • Electronic items with unreadable MICR information

Not all devices may be supported.

2Not all devices may be supported. Customer eligibility required. Personal customer checking and savings accounts only. Must be an active personal online banking user. Must be a deposit account customer for a minimum of two business days. SimplyOne, Next Step, and Next Step 2 account holders are not eligible. Accounts must be in good standing.

3Popmoney is a registered trademark of Fiserv, Inc. or its affiliates. Fees may apply.

4Touch ID is available to users on iPhone 5s or later, iPad (5th generation), iPad Pro, iPad Air 2, or iPad mini 3 or later running iOS 8 or later.

Apple and App Store are registered trademarks of Apple Inc. Google Play and Android is a trademark of Google Inc.

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