Flagstar Bank Routing Number: How To Find Yours Quickly
Written by
Dawn Allcot
Edited by
Nupur Gambhir
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Flagstar Bank is a full-service regional bank that earned a spot in GOBankingRates’ rankings of the Best Premium Checking Accounts for 2024. With high-yield CD options, a choice of four checking accounts to meet your needs and branches in nine states, Flagstar Bank blends the personalized service of a regional bank with robust product offerings.
If you recently opened a Flagstar Bank checking or savings account, you might be wondering about Flagstar’s routing number. Here’s what you need to know.
Flagstar Bank Routing Number by State
Unlike large national banks with multiple routing numbers for different states, Flagstar Bank has one routing number. The Flagstar Bank routing number is 226071004.
This number is used for ordering checks, domestic wire transfers, direct deposits, and ACH transactions.
How To Find Your Flagstar Bank Routing Number
On a Check
You can find the routing number at the bottom left corner of your Flagstar Bank check. It’s the first nine-digit number, followed by your account number.
Through Online Banking
To locate your routing number online:
- Log in to your Flagstar Bank online banking account.
- Navigate to the “Account Details” or “Settings” section.
- Your routing number will be displayed alongside your account information.
By Contacting Customer Service
If you’re still unsure, you can reach out to Flagstar Bank’s customer service:
- Phone: 1-800-945-7700
- Hours: Monday to Friday: 7:30 a.m. to 8 p.m. (ET); Saturday: 8:30 a.m. to 6 p.m. (ET); Sunday: Closed
Flagstar Bank Routing Numbers for Wire Transfers
If you’re sending a wire transfer, make sure to use the correct routing information. Here’s what you need to know:
| Transfer Type | Routing Number | SWIFT Code |
|---|---|---|
| Domestic Wire Transfer | 226071004 | N/A |
| International Wire Transfer | 226071004 | FLGSUS33XXX |
For domestic transfers, all you need is the routing number. If you’re sending money internationally, you’ll also need the SWIFT code to route the transfer properly. Always double-check the details with the recipient to prevent delays.
Flagstar Bank Routing Number vs. Account Number: What’s the Difference?
While both numbers are essential for banking transactions, they serve different purposes:
- Routing number: Identifies the financial institution and ensures that transactions are routed to the correct bank.
- Account number: Uniquely identifies your specific account within the bank.
Both numbers are necessary for setting up direct deposits, automatic payments, and wire transfers.
How To Use Your Flagstar Bank Routing Number
Your routing number is used in various financial transactions, including:
- Setting up direct deposit: Provide your employer with Flagstar Bank’s routing number and your account number so your paycheck can be deposited directly into your account.
- Making ACH transfers: Use the routing number for automatic payments, such as utility bills or loan payments.
- Paying bills online: When setting up bill payments through Flagstar Bank’s online banking platform or a third-party service, you’ll need the routing number and your account number.
Having your Flagstar Bank routing number handy ensures that your financial transactions are processed smoothly and accurately. Whether you’re receiving funds via direct deposit, sending money through a wire transfer, or setting up automatic bill payments, this information is key to a seamless banking experience.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
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