My Banking Direct - Competitive rates, numerous banking solutions, and a superb online experience

Bank whenever, wherever with our mobile app.*

Keep track of your savings and checking accounts on your schedule. My Banking Direct is a service of Flagstar Bank N.A., so our customers use Flagstar Mobile Banking to tap into the convenience of mobile banking.^*

Instant balance
Fingerprint and FaceID security
Mobile alerts and notifications
Bill pay
Zelle^®****
Mobile check deposit^*

Download the latest version of Flagstar Mobile Banking for banking that keeps up with you.

Why My Banking Direct?

My Banking Direct is a modern online bank backed by the strength and experience of one of the oldest banks in the US:

Competitive rates, numerous banking solutions, and a superb online experience
The security of FDIC-insurance up to at least $250,000 per depositor²
The stability of a nationally chartered (registered) bank with $100.2 billion in assets as of December 31, 2024
My Banking Direct is a service of Flagstar Bank, N.A.

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PrepaidBenefits Card

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Online Banking

Bank anywhere, anytime with peace of mind.

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¹Annual Percentage Yield (APY). 4.50% APY 6-month CD is accurate as of 3/31/2025. The interest rate for the 6-month CD is 4.43%. The interest rate remains fixed until maturity. Fees could reduce earnings. A penalty may be imposed for early withdrawals. The minimum balance to open the account and obtain the APY is $2,500. My Banking Direct, a service of Flagstar Bank, N.A. reserves the right to cancel or modify this offer at any time without notice.

²If you are a customer with deposit balances greater than $250,000 combined at My Banking Direct, a service of Flagstar Bank, N.A., and Flagstar Bank, your FDIC insurance coverage may be impacted. Visit fdic.gov/deposit for more information.

*Not 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.

Apple 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.

4.50% APY¹

when you open a 6‑Month Certificate of Deposit.

Bank whenever, wherever with our mobile app.*

Why My Banking Direct?

PrepaidBenefits Card

Online Banking

4.50% APY1

when you open a 6‑Month Certificate of Deposit.

Bank whenever, wherever with our mobile app.*

Why My Banking Direct?

Prepaid Benefits Card

Online Banking

4.50% APY¹

PrepaidBenefits Card