Monthly fee
$5
−$60 a year for an everyday customer: fees and interest, $2,000 kept.
Flagstar Bank · Checking account
Flagstar One Checking
−$60 a year for an everyday customer. $5 a month. $1 to open.
- A year, everyday customer
- −$60
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · flagstar.com
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · flagstar.com
The source states this figure; we have no exact sentence on file yet.
Offer
Bonus
With a current customer’s referral
Flagstar Referral Program
The referred person must be a new Flagstar customer, register using the shared referral link, open a new eligible Flagstar personal checking account within 180 days of registering, maintain the account open for 90 days, complete at least 10
Against the market
How it ranks
#543of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- Branch access
- Card lock
- Debit card
- Mobile check deposit
- No minimum balance
- No overdraft fees
- Savings round ups
- Spending alerts
- Zelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Fees
- Monthly fee
- $5 a monthflagstar.com, checked Nov 8, 2026
- Minimum to open
- $1flagstar.com, checked Nov 8, 2026
- Overdraft fee
- Noneflagstar.com, checked Nov 8, 2026
- ATM network
- Flagstar ATMs, Allpoint and Presto networksflagstar.com, checked Nov 8, 2026
- ATMs in the network
- 56,000flagstar.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees