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My Banking Direct is an online financial service of Flagstar Bank, N.A. Customer deposits are FDIC-insured.

LIMITED-TIME CD RATE

Earn 4.00% APY^x on an 8-month CD

A short term with a strong return. Open in minutes at flagstar.com.

Open now at flagstar.com

NEW CUSTOMER BONUS

Earn up to $500^x with a new checking account

Choose an account with all the benefits to get the most from your money + a bonus.

Open now at flagstar.com

Convenient access to state-issued payments with our Prepaid Benefits Debit Card

Easily receive and use your state-issued payments with our secure and hassle-free Prepaid Benefits Debit Card.

Learn more

Picture of My Banking Direct Visa Debit Prepaid Card

*Card design will vary based on individual prepaid card program

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?

Banking made simple. Get the answers you need.

Explore FAQs, digital banking demos, and more to easily manage your
account anytime.

Let us help

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.

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Member FDIC

Equal Housing Lender

Frequently asked questions