Online Banking
Bank on your schedule. Pay bills, send money to people you trust, check on transactions, and much more.
Bank anytime, anywhere. Securely.
My Banking Direct customers access Online Banking through Flagstar Online Banking, the online platform of our parent company, Flagstar Bank N.A..
Bill Pay
Pay bills, schedule payments, and set up reminders so you never miss a payment.
Fund Transfers
Make a transfer between accounts at My Banking Direct, Flagstar, or other financial institutions.1
Zelle®
Send money directly between almost any checking or savings accounts in the U.S.****
Digital Documents
Access your e-Statements, account notices, tax documents, and more.2
Money Center
Track spending and saving in your accounts with us and at other financial institutions.
Credit Score Monitoring
Get free and instant access to your credit score, credit report, and tips.
Get the most out of Online Banking.
Watch our how-to series to become an Online Banking expert.
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.
FAQs
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.
We’re also FDIC insured, so each customer is covered the same way they would be at a bank with branches—up to $250,000 per account holder. Individual, joint, and retirement accounts are insured separately. Some accounts that meet certain requirements are eligible for coverage beyond $250,000.
What are the technical requirements to use Online Banking?
To access Flagstar Online Banking, we recommend using updated versions of commonly utilized browsers, such as Chrome®, Firefox®, Microsoft Edge® or Safari®. You can use any computer or device that has Internet access.
Can I renew my CD online?
Yes. To renew your CD online while logged into your profile, a services menu will display on the right side of your screen on the Accounts page. Select Renew your CD and complete the prompted questions. Note: If you are on a mobile device such as a cell phone or a tablet, you may need to scroll down to the bottom of the page.
What is the difference between my current and available balance?
Your current balance reflects transactions that have posted to your account, but will not reflect holds and pending transactions. Your available balance will include funds on hold and pending debit transactions.
How often is my account information updated?
Account information is updated in real-time, offering you the most current information available. Subject to certain limitations.
How secure is my personal account information?
We use the latest Internet security available, including Transport Layer Security (TLS 1.2), firewalls, 256 bit encryption, and operating systems that have been designed to provide maximum security.
Why do I automatically get signed off sometimes and have to re-sign in?
If Flagstar Online Banking has been inactive for 10 minutes, it will automatically sign you off to prevent unauthorized use of your accounts, and to prevent others from viewing your information.
Bill Pay is a fast, easy, convenient and secure way to pay your bills.
Pay all of your bills through the Payment Center. Here you will see a summary of your recent and pending payments, as well as the option to set up Bill Reminders. Receive your bills directly to your online account via eBills. You can choose to pay them with automatic, scheduled, or manual payments. Review your Bill History to keep track of the Pay Date and Status of your payments.
How does Bill Pay work?
To pay your bills online, simply add the companies and/or people you want to pay. Then, proceed to the Payment Center to select the payment amount and date for your payment to be delivered on. You can review the payment information under the Pending Payments section on the right hand side of the page. Once the Payment is processed you can find your payment under the Recent Payments section for up to 45 days. To view additional payment history, click on the Activity sub-tab.
Is it difficult to register for Bill Pay?
Actually, it couldn’t be easier. Once your Online Banking profile is established, click on the Pay Bills tab to enroll. Only checking and money market accounts that offer check writing privileges can be used for bill payments.
There may be transactional limitations on money market accounts. Please refer to your account disclosure for more information.
Who can I pay with Bill Pay?
You can use Bill Pay to pay any company or person with a U.S. address. Bill Pay offers the flexibility and convenience of paying all of your bills from one place. This includes charge accounts, auto loans, professionals, utilities, even a relative. Tax payments and court directed payments cannot be processed through the Bill Pay system.
Can I use Bill Pay when I'm out of the country?
Yes! Bill Pay is an excellent way to make sure your bills are being paid while you're traveling. All you need is access to a secure internet browser, and you can pay bills from anywhere.
What happens if I pay my bills on the weekend or on a holiday?
You can set up your payments anytime; however, these payments will not be processed until the first business day after a weekend or holiday.
Can I schedule recurring payments?
Yes. You can schedule your payments to best suit your lifestyle. Payments can be set up on a weekly, monthly, quarterly, or annual basis.
When are payments deducted from my account?
Payments are deducted from your account on the Payment Date unless the payment is sent as a draft check. A draft check is drawn on your account directly and is not deducted from your account until the recipient presents the check for payment.
Can I cancel a pending bill payment?
You can cancel any payment that has not started processing. After you cancel a payment, the status changes to Canceled and the payment will not be processed. Canceled payments appear in the Recent Payments section of the Payment Center. Note: If you cancel a payment that is part of an automatic payment schedule, only the selected payment is canceled. To cancel all payments in an automatic payment schedule, click on the AutoPay link located under the payee name.
What are Bill Reminders?
Reminders are useful when you want help remembering to make payments on time, but you aren't ready to set up automatic payments. Go to the Payment Center to set up and manage reminders. You can even schedule reminders up to 28 days in advance of your payment due date.
What are eBills?
An eBill is an electronic version of a bill or statement. You can receive, view, and pay eBills in Bill Pay. When your e-Bill arrives, it appears in the Payment Center, and you can view and pay it online. You control the date and amount of your payment.
How do eBills work with Flagstar Online Banking Bill Pay?
We can receive eBills from hundreds of companies nationwide. When a company is eligible for eBills, a Get Bills icon appears next to the biller name. Click the icon to go to the Add an e-Bill page. Enter the information that your biller requires to set up e-bill service, and the request will be sent to the biller.
How can I edit or cancel a scheduled Bill Pay item?
You can edit or cancel any payment that has not started processing. After you cancel a payment, the status changes to Canceled and the payment will not be processed.
To edit or cancel a scheduled payment:
- Select Pay bills
- Locate the payment in Pending Payments on the right side
- Select the appropriate link to change or cancel
- Follow prompts
- Confirm
1. What is Zelle®?
Zelle® is a fast, safe and easy way to send and receive money with friends, family and others you trust, even if they bank somewhere different than you1. All you need is your recipient’s email address or U.S. mobile number and money will be sent directly from your account to theirs in minutes1. No account numbers are shared.
2. How do I use Zelle®?
You can send, request, or receive money with Zelle®.
To get started, log into NCYB Online.
- Click Send Money with Zelle® from the tab at the top of the screen.
- On the Welcome to Zelle® screen, click Get Started.
- Read the Terms and Conditions. To accept the Terms and Conditions, click Accept and Continue.
- You’ll be presented an option to either (1) select an email or U.S. Mobile number from a list (and click Continue) or (2) enroll a specific email or U.S. Mobile.
- If you select to enroll a U.S. mobile number, read the Notice Regarding Receiving Test Message. Click continue.
- Enter the verification code sent to you and press verify.
- On the Choose Primary Account page, click the account you would like to use as Primary and click Continue.
- Enrollment is complete! From the Congratulations screen, you can Send Money View Activity or add another email or U.S. mobile number.
To get started, tap the NYCB Mobile app to open it on your mobile device home page.
- When the login screen opens, enter your User ID and password and tap Log In.
- Tap Transfer & Pay and then Send Money with Zelle®. The Welcome screen will open.
- Tap the links to read the Terms and Conditions and the Notice Regarding Receiving Text Messages.
- Tap the checkbox to select I agree to the Terms and Conditions and Receiving Text Messages.
- Tap Get Started.
- On the Choose Primary Account screen, tap and select the account you want to send payments from. This is also the account where you'll receive payments.
- Next you'll see the Review Information screen with your contact information and the NYCB account, that's linked to Zelle®. You can't edit your email or U.S. mobile phone number here (you can do that in Online Banking Settings). If you have more than one eligible account to use with Zelle®, you can tap the drop-down menu next to Primary Account and select a different account. If you have only one account available, you will only see one.
- Tap All Done.
- Zelle® will open and you can begin using it to send and receive money.
To send money using Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®.
To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request”. If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.
To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your New York Community Bank account, typically within minutes.
If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:
a. Click on the link provided in the payment notification you received via email or text message.
b. Select New York Community Bank.
c. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.
3. Is my information secure?
Keeping your money and information safe is a top priority for New York Community Bank. When you use Zelle® within NYCB Online or NYCB Mobile your information is protected with the same technology we use to keep your NYCB account safe.
4. Who can I send money to with Zelle®?
Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.1
Since money is sent directly from your New York Community Bank account to another person’s bank account within minutes1, Zelle® should only be used to send money to friends, family and others you trust.
If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).
Neither New York Community Bank nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
5. Can I use Zelle® internationally?
In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
6. Can I cancel a payment?
You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.”
If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back.
7. Are there any fees to send money using Zelle®?
No, New York Community Bank does not charge any fees to use Zelle® in the NYCB Online or NYCB Mobile app.Your mobile carrier’s messaging and data rates may apply.
1U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
1Fees and Limitations may apply.
****Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
2Certain documents may not be available for electronic delivery at this time and may be mailed to your address on file.
*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.