FDIC-Insured—Backed by the full faith and credit of the U.S. Government

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Explore FAQs, digital banking demos, and more

Banking made simple. Get the answers you need.

Find answers to some of the most frequently asked questions.

General questions

Find answers to everday questions about My Banking Direct.

Managing your account

Learn how to set up and manage your My Banking Direct account.

Protecting your account

Find out how My Banking Direct protects your information and money.

Popular FAQs

We created My Banking Direct as a digital-only banking platform to offer competitive saving rates to more people.

Yes! Every individual customer is insured by the FDIC to the full extent permissible by law. A depositor can have more than $250,000 at one insured bank and still be fully insured, provided the accounts meet certain requirements. Individual, joint, and retirement accounts are insured separately.

It’s easy! When you find the account you like, select the Open account button on the page. Make sure you have certain information available, such as your current address, Social Security number, and driver’s license or state ID. If you plan to make a transfer to fund your new account, have your bank and account information handy, too.

Customers living near any Flagstar Bank branch location may not be eligible for My Banking Direct products. Flagstar Bank product and service offerings can be located at flagstar.com.

Already have a My Banking Direct or Flagstar account? Great! Sign into online banking and choose Open a New Account. Then, we’ll fill out most of the application for you.

The routing number for your account is 226071004.

We use several methods to ensure that your information is secure.

TLS—Transport Layer Security is a protocol that ensures privacy between communicating applications and their users on the internet. When a server and client communicate, TLS ensures that no third party may eavesdrop or tamper with any message.
Encryption—Encryption makes your information unreadable as it passes over the internet.
Automatic Sign Out—This built-in feature automatically signs you out of a session if you are inactive for a predefined time. It is best if you sign out immediately after you finish your tasks.

More FAQs

Contact us

Our team is here to assist you no matter what. We are avilable by phone, secure message, or through the mail.

Call

866-285-1856

24/7 automated system

Talk to a banker:

Monday – Friday: 8 a.m. – 8 p.m. ET
Saturday: 9 a.m. – 5 p.m. ET
Sunday: 9 a.m. – 2 p.m. ET

To report a lost or stolen ATM or debit card, call 866-285-1856

Message

Mail

Send mail to this address:

My Banking Direct
A service of Flagstar Bank, N.A.
P.O. Box 190
Hicksville, NY 11802

Forms & disclosures

Enjoy secure banking anytime, anywhere with our mobile app¹

Use our secure mobile app to deposit checks,² set alerts, check balances, and more. My Banking Direct, a service of Flagstar Bank, N.A., gives you the confidence to manage your money your way.

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Digital demos to get more out of your banking experience

Take advantage of everything your account has to offer. Use these easy-to-follow, interactive demos to learn the basics and discover tips that make managing your money simple and efficient.

View demos

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Grow your savings with confidence

My Banking Direct is backed by the strength and expertise of one of the country's oldest regional banks.

Why My Banking Direct?

Product and service availability may vary by location and are subject to area restrictions. My Banking Direct products are available online only. Customers living near any Flagstar Bank branch location may not be eligible. Flagstar Bank product and service offerings can be located at flagstar.com.

¹Not all devices supported. Available for eligible personal and business deposit account customers only.

²Not 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.

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