Personal checking
Flagstar Bank Ready Checking
Verified Oct 19, 2026 · checked Oct 21, 2026 · available in:
Bonus
$300- • Receive 1+ direct deposits totaling $1,500 within 90 days — Direct deposits (ACH credits) totaling at least $500 during EACH of the three consecutive 30-day timeframes (days 1-30, 31-60, and 61-90) — a cumulative total of at least $1,500; a shortfall in any single 30-day window disqualifies; 'direct deposit' means an electronic deposit of paycheck, pension, Social Security, or other regular monthly income via ACH; $50 minimum opening deposit; bonus credited 91-104 days after account opening
Other amounts for this account
- $400 bonus — Receive 1+ direct deposits totaling $1,500 within 90 days
One account opening earns one amount — the one you qualify for.
Fine print that matters
• Once-per-lifetime bonus language.
• $10/mo fee — waivable ($10 monthly service fee reduced to $5 with any ONE of: eStatements enrollment, $500+ in direct deposits (ACH credits) per statement cycle, $1,000+ average balance per cycle, or primary account holder age 24 or younger; fully waived with any TWO).
• Plan on holding at least 180 days before closing.