Simplified checking for your everyday needs
Why complicate things? If you use your checking account to shop, pay bills, transfer money, and withdraw cash, this is the account for you.

Bank with confidence. My Banking Direct is a service of Flagstar Bank N.A.

Just $1.00 to open an account

FDIC-insured up to at least $250,000 per depositor

NYCB Mobile and NYCB Online with bill pay

No monthly or maintenance fees

e-Statements and e-Documents

No overdraft or insufficient funds fees

Enrollment in our Even >More Rewards Program1

Free My Banking Direct Visa® debit card

Access to 55,000+ fee-free2 Allpoint and Presto! ATMs worldwide

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., whose parent company is New York Community Bancorp (NYCB), so our customers use NYCB Mobile 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 NYCB Mobile for banking that keeps up with you.
Ready to open an account? Here’s what you’ll need.
It takes just a few minutes to open an account.
Make sure you have the following information for each account holder:
- Address
- Social Security number or tax identification number
- Driver’s license or other state-issued ID
FAQs
My Banking Direct is a service of Flagstar Bank N.A., whose parent company is New York Community Bancorp, 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 11801
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.
More ways to make your money work harder
Want to earn even more?
Save for what matters, faster, with CD rates as high as
5.15%APY.**

Why My Banking Direct?
My Banking Direct is a modern online bank backed by the strength and experience of one of the oldest banks in the US:
- Competitive rates, numerous banking solutions, and a superb online experience
- The security of FDIC-insurance up to at least $250,000 per depositor
- The stability of a nationally chartered (registered) bank with $123.8 billion in assets, as of March 31, 2023
- MBD is a service of Flagstar Bank, N.A, whose parent company is New York Community Bancorp (NYCB)
1Even >More Rewards program applies to the Direct Checking account. Restrictions apply.
2Currency conversion fee may apply to transactions outside the U.S.
*Not all online features may be available through the mobile app. Standard messaging and data rates may apply.
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.
****Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Must have a bank account in the U.S. to use Zelle. Data charges may apply. Check with your mobile phone carrier for details. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled in Zelle.