Flagstar's online banking offers visibility and control over your finances. Take advantage of our easy-to-use budgeting tools — all designed to put money back into your pocket.

You can:
  • Review all of your deposit accounts, balances, recent and pending transactions in one location
  • Review your consumer loan balances (available for the primary borrower only)
  • Easily budget and track expenses and review past spending with My Wallet
  • Receive alert reminders and recurring payment options so you never miss a payment


Take advantage of bill pay, a free1 online service that allows you to pay your bills online, and schedule payments quickly and easily from one secure location.

Enroll in online banking and get started with bill pay today!

Receive, view, and pay bills online:

  • Receive email notifications when bills arrive
  • View bills to see the full details when you need them

Set it and forget it:
  • Use the Manage My Bills option to set up a recurring payment for bills you pay regularly, like your car or mortgage payment

Easily do it all within online banking:
  • Set up your payees and conveniently pay all of your bills from one page using the Payment Center
  • Avoid late fees and penalties by making next-day electronic payments, or sending overnight checks with the Expedited Payments feature1

Reliability and Security:
  • Payments will arrive on time and accurately or we will pay any late fees (up to $50)
  • Payment instructions are sent using a secure Internet connection and the latest SSL encryption technology, and protected with a password issued only to you

With bill pay from Flagstar Bank, you don't have to spend time writing checks, making extra trips to the mailbox, or standing in line at the post office.


1Fees apply for Expedited Payments.

My Wallet is an online financial management tool that helps you track your financial relationships at more than 17,000 other financial institutions in the United States — all from one location.

If you have accounts with any of the participating financial institutions and creditors, you can add them to your personalized page and track your spending by category, set savings goals, and budget and track your expenses. Simply click the Add Accounts button and a wizard will help walk you through the process.


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

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

Enjoy the Convenience Today

For iPhone or Android users, just download the app from the Apple App StoreSM or Google PlayTM. No additional registration is necessary.

For more information, please visit:

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. Mobile check deposit terms & conditions.

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.

iPhone and App Store are registered trademarks of Apple Inc. Android and Google Play are trademarks of Google Inc.

Online Banking FAQs

What accounts are available for online banking access?

What can personal online banking do for me?

How do I set up my account?

How do I log in to view my account?

What is the difference between my current balance and my available balance?

What is the new secure messaging feature?

What frequencies can be set up for recurring Flagstar-to-Flagstar funds transfers?

Can I pay down my ODLOC account to a zero balance?

What kind of alerts can I set up?

Can I have alerts shut off during a specific period of time, i.e. when I sleep?

How do I set up mobile banking?

How do I use Quicken or QuickBooks with online banking?

Pending Transactions:

What are pending transactions?

Where are my pending transactions located?

Bill Pay:

What is bill pay?

Are there any fees to use bill pay?

How do I enroll in bill pay?

Money Transfers:

What types of transfers do you offer?

What is Transfer between my accounts?

What is the minimum amount I can transfer using Transfer between my accounts?


What is Pay other people (Popmoney)?

How do I set up Popmoney?

Online Statements:

Are eStatements available?

Enhanced Security:

What is verification code?

What happens if you log in from a different computer?

Mobile Banking:

What is mobile banking?

How do I register for mobile banking?

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