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Flagstar Savings Account Details



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Federal Reserve Board Bank ID: 694904
FDIC Certificate Number: 32541
Annual Percentage Yield (APY): 4.00%
Minimum to open this account: $1.00
Minimum Balance to earn interest: $25,000.00
Monthly Maintenance Fee: $15.00
You can avoid the monthly fee with one of the following:
  • Average account balance of $10,000.00 or more
Early Paycheck?
Online Bill Pay?
Pay Anyone?
Checks Deposits in App? Yes
Joint accounts available?
Limit on number of withdrawals per month:
ATM Card available: Yes


Monthly fee is waived with $10,000 average daily balance OR with a Flagstar personal checking account. Flagstar Ready Checking has no monthly fees when you enroll in e-statements.
If your account is closed within six months of opening, you are subject to a $30 early closing fee and possible forfeiture of any interest you've earned on the account.



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