24 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 31, 2026.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 31, 2026
Call-report figures are for Flagstar Bank, National Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCFD2170 or RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Flagstar Bank, National Association's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $3.8M in Q2 2026, 22% below the same quarter a year earlier ($4.9M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $10, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 20% from Q3 2025 to Q2 2026, to $3.8M.
$3.8M
Flagstar Bank, National AssociationMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Flagstar Bank, National Association · $87.7B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Flagstar Bank, National Association(this institution) | Hicksville, NY | $87.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Associated Bank, National Association | Green Bay, WI | $51.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Banco Popular de Puerto Rico | San Juan, PR | $63.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of China | New York, NY | $48.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Barclays Bank Delaware | Wilmington, DE | $43.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| BOKF, National Association | Tulsa, OK | $53B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| CIBC Bank USA | Chicago, IL | $66.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| City National Bank | Los Angeles, CA | $99.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Columbia Bank | Roseburg, OR | $65.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| East West Bank | Pasadena, CA | $84.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| EverBank, National Association | Jacksonville, FL | $46.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| First Horizon Bank | Memphis, TN | $84.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First National Bank of Pennsylvania | Greenville, PA | $50.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Frost Bank | San Antonio, TX | $54B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Old National Bank | Evansville, IN | $73.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pinnacle Bank | Nashville, TN | $128.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Prosperity Bank | El Campo, TX | $43.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Raymond James Bank | Saint Petersburg, FL | $45.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Santander Bank, N.A. | Wilmington, DE | $104B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| SoFi Bank, National Association | Cottonwood Heights, UT | $56.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| SouthState Bank, National Association | Winter Haven, FL | $68.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| UMB Bank, National Association | Kansas City, MO | $71.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| USAA Federal Savings Bank | Phoenix, AZ | $106.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Valley National Bank | Passaic, NJ | $66.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Western Alliance Bank | Phoenix, AZ | $98.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Zions Bancorporation, N.A. | Salt Lake City, UT | $89B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $10, the middle of its seven prices, against a peer median of $10 among 12 publishing peers.
Its seven checking prices are $0, $3, $5, $10, $12, $15 and $25.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Flagstar Bank, National Association (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $3.8M | −$910K | −19.2% |
| Q1 2026 | $4.7M | +$476K | +11.2% |
| Q4 2025 | $4.3M | −$502K | −10.6% |
| Q3 2025 | $4.8M | −$120K | −2.5% |
| Q2 2025 | $4.9M | +$50K | +1.0% |
| Q1 2025 | $4.8M | −$228K | −4.5% |
| Q4 2024 | $5.1M | +$146K | +3.0% |
| Q3 2024 | $4.9M | +$936K | +23.6% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Flagstar Bank, National Association’s own schedules, with a source for each figure.
per month
per month
per month
per month
per month
per month
per month
per item
per month
per month
per hour · Account research, per hour charge (one hour minimum charge) $50
per hour
per hour · Reconcile bank statement, per hour (one hour minimum charge) $30
per hour
per month
per month
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per page · Counter check (per page) $2
per page
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $10 | per month | None |
| Monthly fee | $15 | per month | None |
| Monthly fee (audience not stated, treated as personal) | $25 | per month | None |
| Monthly fee (audience not stated, treated as personal) | No charge | per month | None |
| Monthly fee (audience not stated, treated as personal) | $12 | per month | None |
| Monthly fee (audience not stated, treated as personal) | $3 | per month | None |
| Monthly Service Charge | $5 | per month | None |
| Account closed within 180 days of opening (each) | $30 | per item | None |
| Account Inactivity fee (each month) | No charge | per month | None |
| Account Inactivity fee (each month) | No charge | per month | None |
| Account research, per hour charge (one hour minimum charge) | $50Not compared: Charged per hour; comparison unavailable | per hour | Account research, per hour charge (one hour minimum charge) $50 |
| Account research, per hour charge (one hour minimum charge) | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
| Reconcile bank statement, per hour (one hour minimum charge) | $30Not compared: Charged per hour; comparison unavailable | per hour | Reconcile bank statement, per hour (one hour minimum charge) $30 |
| Reconcile bank statement, per hour (one hour minimum charge) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail Monthly Processing | $15 | per month | None |
| Returned Mail Monthly Processing | $15 | per month | None |
Overdraft & NSF | |||
| Overdraft (OD) | $30 | per item | None |
| Non-Sufficient Funds (NSF) Charge (each) | No charge | Not stated | None |
| Non-Sufficient Funds (NSF) Charge (each) | No charge | Not stated | None |
| Consecutive Days Overdrawn (OD) Fee | No charge | Not stated | None |
| Linked Account (Deposit Overdraft (OD) Protection) transaction fee | No charge | Not stated | None |
| Linked Account (Deposit Overdraft (OD) Protection) transaction fee | No charge | Not stated | None |
ATM & Card | |||
| Non-Flagstar Domestic ATM Withdrawal, Balance Inquiry, Transfer (each) | $2.50 | per item | None |
| Non-Flagstar Domestic ATM Withdrawal, Balance Inquiry, Transfer (each) | $2.50 | per item | None |
| Non-Flagstar International ATM Withdrawal, Balance Inquiry, Transfer (each) | $2.50 | per item | None |
| Additional or replacement ATM/Debit card (each) | $5 | per item | None |
| Additional or replacement ATM/Debit card (each) | $5 | per item | None |
| Expedited Debit Card Delivery (each) | $75 | per item | None |
| Expedited Debit Card Delivery (each) | $75 | per item | None |
Wire Transfers | |||
| Outgoing Wire, Domestic, customer (each) | $30 | per item | None |
| Outgoing Wire, Domestic, customer (each) | $30 | per item | None |
| Wire Transfer fdomestic outgoing (each) | $30 | per item | None |
| Wire Transfer fdomestic outgoing (each) | $30 | per item | None |
| Incoming Wire, Domestic, customer (each) | $15 | per item | None |
| Incoming Wire, Domestic, customer (each) | $15 | per item | None |
| Wire Transfer fdomestic incoming (each) | $15 | per item | None |
| Wire Transfer fdomestic incoming (each) | $15 | per item | None |
| Outgoing Wire, International, customer (each) | $50 | per item | None |
| Outgoing Wire, International, customer (each) | $50 | per item | None |
| Incoming Wire, International, customer (each) | $15 | per item | None |
| Incoming Wire, International, customer (each) | $15 | per item | None |
Check Services | |||
| Cashier's check (each) | $8 | per item | None |
| Cashier's check (each) | $8 | per item | None |
| Money Order (each) | $5 | per item | None |
| Money Order (each) | $5 | per item | None |
| Stop Payment Charge (each) | $36 | per item | None |
| Stop Payment Charge (each) | $36 | per item | None |
| Counter check (per page) | $2Not compared: Charged per page; comparison unavailable | per page | Counter check (per page) $2 |
| Counter check (per page) | $2Not compared: Charged per page; comparison unavailable | per page | None |
| On-us check cashing fee, non-customer (each) | $10 | per item | None |
| On-us check cashing fee, non-customer (each) | $10 | per item | None |
Cash & Deposit | |||
| Returned deposited item or Returned check charge (each) | No charge | Not stated | None |
| Returned deposited item or Returned check charge (each) | No charge | Not stated | None |
Account Services | |||
| Notary service, customer (each) | No charge | Not stated | None |
| Notary service, customer (each) | No charge | Not stated | None |
| Levy, garnishment, child support or other legal action (each) | $100 | per item | None |
| Levy, garnishment, child support or other legal action (each) | $100 | per item | None |
Other Fees | |||
| Activity Printout/Document Copies (each) | $5 | per item | None |
| Activity Printout/Document Copies (each) | $5 | per item | None |
| Photocopy, each page | $1 | per item | None |
| Photocopy, each page | $1 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 31, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Flagstar Bank, National Association operates, and what regulators and customers have on file.
Consumer complaints
555 complaints to the CFPB in 2022
Top issues, 2022
| Trouble during payment process | 243 |
| Struggling to pay mortgage | 155 |
| Applying for a mortgage or refinancing an existing mortgage | 48 |
| Incorrect information on your report | 23 |
| Closing on a mortgage | 23 |
| Problem with a credit reporting company's investigation into an existing problem | 10 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
Enforcement actions
None on file with the OCC
The OCC has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
FLAGSTAR BANK, NATIONAL ASSOCIATION (NYSE: FLG)
Consolidated assets
$87.7B
Shareholders' equity
$8.1B
As of
2026Q2
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 910073. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.