Flagstar Bank, National Association

Headquarters: Hicksville, New York
Charter: Bank
Assets: $87.7B
Fed district: New York

24 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 31, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $10, the middle of its prices
Flagstar Bank, National Association: $0 to $25
Flagstar Bank, National Association: $0 to $25
U.S. median: no median
Overdraft (OD)
Flagstar Bank, National Association: $30
Flagstar Bank, National Association: $30
U.S. median: no median
NSF / Returned Item
Flagstar Bank, National Association: No fee
Flagstar Bank, National Association: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Flagstar Bank, National Association’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$10
per month
Monthly fee$15
per month
Monthly fee (audience not stated, treated as personal)$25
per month
Monthly fee (audience not stated, treated as personal)No charge
per month
Monthly fee (audience not stated, treated as personal)$12
per month
Monthly fee (audience not stated, treated as personal)$3
per month
Monthly Service Charge$5
per month
Account closed within 180 days of opening (each)$30
per item
Account Inactivity fee (each month)No charge
per month
Account Inactivity fee (each month)No charge
per month
Account research, per hour charge (one hour minimum charge)$50
Not 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)$50
Not compared: Charged per hour; comparison unavailable
per hour
Reconcile bank statement, per hour (one hour minimum charge)$30
Not 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)$30
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Monthly Processing$15
per month
Returned Mail Monthly Processing$15
per month

Overdraft & NSF

Overdraft (OD)$30
per item
Non-Sufficient Funds (NSF) Charge (each)No charge
Non-Sufficient Funds (NSF) Charge (each)No charge
Consecutive Days Overdrawn (OD) FeeNo charge
Linked Account (Deposit Overdraft (OD) Protection) transaction feeNo charge
Linked Account (Deposit Overdraft (OD) Protection) transaction feeNo charge

ATM & Card

Non-Flagstar Domestic ATM Withdrawal, Balance Inquiry, Transfer (each)$2.50
per item
Non-Flagstar Domestic ATM Withdrawal, Balance Inquiry, Transfer (each)$2.50
per item
Non-Flagstar International ATM Withdrawal, Balance Inquiry, Transfer (each)$2.50
per item
Additional or replacement ATM/Debit card (each)$5
per item
Additional or replacement ATM/Debit card (each)$5
per item
Expedited Debit Card Delivery (each)$75
per item
Expedited Debit Card Delivery (each)$75
per item

Wire Transfers

Outgoing Wire, Domestic, customer (each)$30
per item
Outgoing Wire, Domestic, customer (each)$30
per item
Wire Transfer fdomestic outgoing (each)$30
per item
Wire Transfer fdomestic outgoing (each)$30
per item
Incoming Wire, Domestic, customer (each)$15
per item
Incoming Wire, Domestic, customer (each)$15
per item
Wire Transfer fdomestic incoming (each)$15
per item
Wire Transfer fdomestic incoming (each)$15
per item
Outgoing Wire, International, customer (each)$50
per item
Outgoing Wire, International, customer (each)$50
per item
Incoming Wire, International, customer (each)$15
per item
Incoming Wire, International, customer (each)$15
per item

Check Services

Cashier's check (each)$8
per item
Cashier's check (each)$8
per item
Money Order (each)$5
per item
Money Order (each)$5
per item
Stop Payment Charge (each)$36
per item
Stop Payment Charge (each)$36
per item
Counter check (per page)$2
Not compared: Charged per page; comparison unavailable
per page · Counter check (per page) $2
Counter check (per page)$2
Not compared: Charged per page; comparison unavailable
per page
On-us check cashing fee, non-customer (each)$10
per item
On-us check cashing fee, non-customer (each)$10
per item

Cash & Deposit

Returned deposited item or Returned check charge (each)No charge
Returned deposited item or Returned check charge (each)No charge

Account Services

Notary service, customer (each)No charge
Notary service, customer (each)No charge
Levy, garnishment, child support or other legal action (each)$100
per item
Levy, garnishment, child support or other legal action (each)$100
per item

Other Fees

Activity Printout/Document Copies (each)$5
per item
Activity Printout/Document Copies (each)$5
per item
Photocopy, each page$1
per item
Photocopy, each page$1
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

Correct a fee source

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.

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