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Welcome HMBradley customers

For more than a year, Flagstar has provided your HMBradley account, and we’re here to help you continue building your wealth. Get started now with a High Yield Savings Account from My Banking Direct, our high-yield platform.

5.35% APY1

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Keep your good savings habits going.

Kudos to you for building strong savings habits with HMBradley. Keep up the momentum with a great rate on a My Banking Direct High Yield Savings Account or CD. You can open an account in minutes and make your first deposit with your HMBradley funds. For a great banking experience with no monthly fees, check out Direct Checking.


Remember, your HMBradley account closes on December 15, so act quickly.

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Peace of mind from a strong, stable bank

 
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Automatic deposits to grow your savings

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Fast and easy transfers

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Deposit checks from anywhere with our mobile app2

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Use Zelle® to pay people you trust****

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Track what matters with alerts and notifications

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No monthly account fees

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FDIC insurance up to at least $250,000 per depositor3

More ways to make your money work harder

Save for what matters, faster.

Open a 5-month CD and earn

5.50%APY**

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Open a Direct Checking Account.

With Direct Checking, you can pay bills automatically, shop on the go, and deposit checks by mobile app. And that’s just the beginning.

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Ready to open an account?

Open a High Yield Savings Account, CD, Direct Checking account in minutes. Why not pair a checking and savings account for easy access to your funds? You can open both with just one application.

 

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
GET STARTED
Mobile app

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.

Download on the app store
Get it on Google Play

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 Flagstar Bank, N.A, whose parent company is New York Community Bancorp (NYCB)
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FAQs

What is the relationship between My Banking Direct, Flagstar Bank N.A., and New York Community Bancorp (NYCB)?

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.

 

Are my deposit accounts FDIC-insured?

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.

When I open a new account, how do I add money to it?

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


Mail a check to us at:

 

MyBankingDirect A service of Flagstar Bank, N.A.

P.O. Box 190

Hicksville, NY 11801

What is the ABA routing number for My Banking Direct?

Our routing number is 226071004.

How does My Banking Direct protect my information?

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.

1The Annual Percentage Yield (APY) is accurate as of 11/8/2023 and is subject to change without notice. The My Banking Direct High Yield Savings is a tiered rate account. Minimum balance to open account is $500. If your daily balance is $50,000 or more, the APY is 5.35% and the interest rate is 5.22%. If your daily balance is between $10,000.00 and $49,999.99, the APY is 5.35%, and the interest rate is 5.22%. If your daily balance is between $1 and $9,999.99, the APY is 5.35%, and the interest rate is 5.22%. My Banking Direct, a service of Flagstar Bank, N.A. reserves the right to change the rate at any time without notice. Fees could reduce earnings.

 

2Not all devices supported. Available for eligible personal and business checking and savings account customers only. CD customers may view their balance and account activity only. Must be an active personal online banking user. Must be customer for a minimum of two business days. Accounts must be in good standing.

 

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

*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.

**Annual Percentage Yield (APY). 5.50% APY 5-month CD is accurate as of 11/15/2023. The interest rate for the 5 month CD is 5.39%. 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.
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