vs. U.S. typical range:LowerTypicalHigher
$9 above the national median$10 above the New York median
per month · Source
$4 above the national median$5 above the New York median
per month · Source
$6 below the national median$5 below the New York median
per month · Source
$6 above the national median$7 above the New York median
per month · Source
$19 above the national median$20 above the New York median
per month · Source
$3 below the national median$2 below the New York median
per month · Source
$1 below the national medianAt the New York median
per month · Applies to Flagstar One Checking account · Institution’s schedule
$12.50 above the national median$15 above the New York median
per item · Source
$5 below the national median$9.50 below the New York median
per month · Source
$32.50 above the national median$32.50 above the New York median
$2.50 below the national median$2.50 below the New York median
per month · Source
At the national medianAt the New York median
per item · Source
$30 below the national median$30 below the New York median
$20 below the national median$20 below the New York median
per item · Source
$10 below the national median$10 below the New York median
$30 below the national median$25 below the New York median
$5 below the national median$5 below the New York median
$1 above the national median$1 above the New York median
per item · Source
$5 below the national median$5 below the New York median
per item · Source
$35 above the national median$35 above the New York median
per item · Source
At the national median$0.50 above the New York median
per item · Source
$5 above the national median$5 above the New York median
per item · Source
$5 above the national median$5 above the New York median
per item · Source
At the national median$5 above the New York median
per item · Source
$5 below the national medianAt the New York median
per item · Source
$3 above the national median$3 above the New York median
per item · Source
$3 above the national median$3 above the New York median
per item · Source
$8.50 above the national median$11 above the New York median
per item · Source
At the national medianAt the New York median
per item · Source
$5 above the national median$5 above the New York median
per item · Source
$15 below the national median$20 below the New York median
$2.50 below the national median$2 below the New York median
$50 above the national median$25 above the New York median
per item · Source
$2 above the national median$2 above the New York median
per item · Source
$2 below the national median$2 below the New York median
per item · Source
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Monthly fee | $15Above the typical range ($4–$10 nationally) | $9 above the national median$10 above the New York median | per month | — | Source |
| Monthly fee | $10Within the typical range ($4–$10 nationally) | $4 above the national median$5 above the New York median | per month | — | Source |
| Monthly fee | $0Below the typical range ($4–$10 nationally) | $6 below the national median$5 below the New York median | per month | — | Source |
| Monthly fee | $12Above the typical range ($4–$10 nationally) | $6 above the national median$7 above the New York median | per month | — | Source |
| Monthly fee | $25Above the typical range ($4–$10 nationally) | $19 above the national median$20 above the New York median | per month | — | Source |
| Monthly fee | $3Below the typical range ($4–$10 nationally) | $3 below the national median$2 below the New York median | per month | — | Source |
| Monthly Service Charge | $5Within the typical range ($4–$10 nationally) | $1 below the national medianAt the New York median | per month | Applies to Flagstar One Checking account | Institution’s schedule |
| Account closed within 180 days of opening (each) | $30Above the typical range ($10–$25 nationally) | $12.50 above the national median$15 above the New York median | per item | — | Source |
| Account Inactivity fee (each month) | $0Below the typical range ($5–$10 nationally) | $5 below the national median$9.50 below the New York median | per month | — | Source |
| Account research, per hour charge (one hour minimum charge) | $50Above the typical range ($11.38–$25 nationally) | $32.50 above the national median$32.50 above the New York median | — | — | Source |
| Returned Mail Monthly Processing | $15Within the typical range ($11.38–$25 nationally) | $2.50 below the national median$2.50 below the New York median | per month | — | Source |
Overdraft & NSFVerified | |||||
| assess an Overdraft Charge | $30Within the typical range ($25–$33 nationally) | At the national medianAt the New York median | per item | — | Source |
| Linked Account (Deposit Overdraft (OD) Protection) transaction fee | $0 | ||||
ATM & CardVerified | |||||
| Non-Flagstar Domestic ATM Withdrawal, Balance Inquiry, Transfer (each) | $2.50Above the typical range ($1–$2.25 nationally) | $1 above the national median$1 above the New York median | per item | — | Source |
| Additional or replacement ATM/Debit card (each) | $5 | ||||
Wire TransfersVerified | |||||
| Wire Transfer fdomestic outgoing (each) | $30Above the typical range ($20–$25 nationally) | $5 above the national median$5 above the New York median | per item | — | Source |
| Wire Transfer fdomestic incoming (each) | $15 | ||||
Check ServicesVerified | |||||
| Cashier's check (each) | $8Above the typical range ($3–$6 nationally) | $3 above the national median$3 above the New York median | per item | — | Source |
| Money Order (each) | $5 | ||||
Cash & DepositVerified | |||||
| Returned deposited item or Returned check charge (each) | $0Below the typical range ($8–$25 nationally) | $15 below the national median$20 below the New York median | — | — | Source |
Account ServicesVerified | |||||
| Notary service, customer (each) | $0Within the typical range ($0–$5 nationally) | $2.50 below the national median$2 below the New York median | — | — | Source |
| Levy, garnishment, child support or other legal action (each) | $100 | ||||
Other FeesVerified | |||||
| Activity Printout/Document Copies (each) | $5Within the typical range ($2–$5 nationally) | $2 above the national median$2 above the New York median | per item | — | Source |
| Photocopy, each page | $1 | ||||
Its state has too few comparable institutions, so these are its Fed district peers.
Overdraft
$30.00
Of 42 others that publish it, 8 lower, 8 the same and 26 higher.
Monthly maintenance
$10.00
Of 33 others that publish it, 18 lower, 8 the same and 7 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$30
Headline fees published
12 of 15
Published fees
35
Under review
0
Assets
$87.7B
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Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$87.7B
Total deposits
$67.5B
Service charge income
$3.8M
Fee income ratio
0.75%
Return on assets
0.16%
Branches
345
Service charge income by quarter
Financial profile · Pro
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| $30 below the national median$30 below the New York median |
| — |
| — |
| Source |
| Overdraft Charge (each) | $10Below the typical range ($25–$33 nationally) | $20 below the national median$20 below the New York median | per item | — | Source |
| we may use Overdraft Protection Coverage to pay the remaining | $20Below the typical range ($25–$33 nationally) | $10 below the national median$10 below the New York median | — | — | Source |
| Non-Sufficient Funds (NSF) Charge (each) | $0Below the typical range ($25–$32 nationally) | $30 below the national median$25 below the New York median | — | — | Source |
| Consecutive Days Overdrawn (OD) Fee | $0Below the typical range ($5–$15 nationally) | $5 below the national median$5 below the New York median | — | — | Source |
| $5 below the national median$5 below the New York median |
| per item |
| — |
| Source |
| Expedited Debit Card Delivery (each) | $75Above the typical range ($30–$50 nationally) | $35 above the national median$35 above the New York median | per item | — | Source |
| Non-Flagstar International ATM Withdrawal, Balance Inquiry, Transfer (each) | $2.50Within the typical range ($0.94–$5 nationally) | At the national median$0.50 above the New York median | per item | — | Source |
| $5 above the national median$5 above the New York median |
| per item |
| — |
| Source |
| Outgoing Wire, International, customer (each) | $50Within the typical range ($40–$50 nationally) | At the national median$5 above the New York median | per item | — | Source |
| Incoming Wire, International, customer (each) | $15Within the typical range ($10–$25 nationally) | $5 below the national medianAt the New York median | per item | — | Source |
| $3 above the national median$3 above the New York median |
| per item |
| — |
| Source |
| Stop Payment Charge (each) | $36Above the typical range ($20–$30 nationally) | $8.50 above the national median$11 above the New York median | per item | — | Source |
| Counter check (per page) | $2Within the typical range ($1–$4 nationally) | At the national medianAt the New York median | per item | — | Source |
| On-us check cashing fee, non-customer (each) | $10Within the typical range ($5–$10 nationally) | $5 above the national median$5 above the New York median | per item | — | Source |
| $50 above the national median$25 above the New York median |
| per item |
| — |
| Source |
| $2 below the national median$2 below the New York median |
| per item |
| — |
| Source |