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Mobile Banking at a Glance

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Grow your savings with confidence

Secure and competitive solutions to help you save smarter and grow your money faster.

High Yield Savings

Open a high-interest savings account today and enjoy higher returns—without losing access to your money.

Certificates of Deposit (CDs)

Enjoy the stability of an CD with a fixed rate that won’t change.

Prepaid Benefits Card

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

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

Earn 4.40%APY¹ when you open a High Yield Savings Account

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Earn 4.40%APY¹ when you open a High Yield Savings Account

Open account

Learn more

Secure a competitive, guaranteed rate with a 6-Month CD

With a 4.50%APY², you'll earn more compared to a traditional savings account while still benefiting the stability of FDIC insurance.³

Explore CDs

Higher interest, greater growth— start saving smarter today!

Open a High Yield Savings Account at 4.40%APY¹ and enjoy higher returns without losing access to your money.

Explore High Yield Savings

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?

Enjoy secure banking anytime, anywhere with our mobile app⁴

Use our secure mobile app to deposit checks,⁵ 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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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 Card

*Card design will vary based on individual prepaid card program

Banking made simple. Get the answers you need.

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

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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.

¹The Annual Percentage Yield (APY) is accurate as of 4/18/2025 rates are variable and are subject to change without notice. The My Banking Direct High Yield Savings is a tiered rate account. The minimum balance to open the account is $500. If your daily balance is $50,000 or more, the APY is 4.40%. If your daily balance is between $10,000.00 and $49,999.99, the APY is 4.40% If your daily balance is between $1.00 and $9,999.99, the APY is 4.40%. My Banking Direct, a service of Flagstar Bank, N.A. reserve the right to change the rate at any time without notice. Fees could reduce earnings.

²Annual Percentage Yield (APY). 4.50% APY 6-month CD is accurate as of 4/18/2025. 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.

³Visit fdic.gov for more information about FDIC insurance coverage.

⁴Not all devices supported. Available for eligible personal and business deposit account customers only.

⁵Not 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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