Direct Checking

My Banking Direct is a service of Flagstar Bank N.A., a long-established bank with roots dating back to 1859. We created My Banking Direct to offer higher savings rates by avoiding the overhead of local branches.

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.

Protecting your financial and personal information is a top priority. Here are a few ways we keep your information safe.

• We use Transport Layer Security protocol and data encryption to secure your information and prevent unauthorized parties from obtaining it as it travels online.
• When you log into your My Banking Direct account and are inactive for a certain period, we will automatically sign you out of your session.
• Our employees take regular online courses to learn the latest hacker tricks and scams and what everyone at the bank can do to protect our customers.

You have several options for funding your new account. You can transfer funds from another bank account, including an existing My Banking Direct account.

You can also mail a check to us. Please include your new account number on the check and send it to:

MyBankingDirect

A service of Flagstar Bank, N.A.

P.O. Box 190

Hicksville, NY 11802

Our routing number is 226071004.

We partner with Harland Clarke to give you a convenient way to order checks from the comfort of your home or office. There are three easy ways to order checks:

• Visit ordermychecks.com.

• Call 800-355-8123.

• Use Online Banking. After you sign in, select the account you want to order checks for, select More Actions, then Order Checks.