# Flagstar Bank for iPhone — user reviews > 50 indexed App Store user reviews of Flagstar Bank for iPhone by Flagstar Bank,FSB, rated 1.74/5 from 513 ratings. - Source: https://appshunter.io/ios/app/flagstar-bank-for-iphone/id1038560275/reviews - App overview in markdown: https://appshunter.io/ios/app/flagstar-bank-for-iphone/id1038560275.md - Rating breakdown: 5★ 59 · 4★ 23 · 3★ 25 · 2★ 18 · 1★ 374 ## What do users think of Flagstar Bank for iPhone? Overall sentiment: negative **Pros** - 🚀 Fast check deposit with two quick pictures - 👆 Touch ID/fingerprint login convenience - 📱 Straightforward and easy-to-use interface - ✅ Well-designed home screen layout **Cons** - 🐛 Login failures with valid credentials - 🔐 Password special character validation mismatch between app and website - ⏱️ Extremely slow app performance - 🔄 Frequent maintenance downtime - 📱 Poor mobile optimization compared to desktop - ❌ Missing mortgage/MyLoans functionality - 🔓 Inconsistent biometric authentication - 🎨 Outdated and cluttered user interface design - 💥 Frequent crashes and network errors - 📊 Inaccurate transaction display and balance information - 🔄 Constant logout issues despite 'Remember Me' selection - ⚠️ Delayed transaction notifications - 🚫 Mobile deposit failures - 🔗 Update loop stuck state preventing app access **Commonly reported bugs** - Password contains invalid characters error despite valid website login - Login credentials rejected by app but accepted by website - App stuck in update loop unable to access account - Face ID and Touch ID authentication failures after iOS updates - Biometric login requires manual password entry every 3 months - App crashes during mobile check deposits - Mobile deposits fail immediately without server attempt - Cannot add new payees in bill pay - Verification texts sent to wrong account holder - App unable to validate information error persisting for weeks - Network unavailable errors despite active connection - Font size changes causing cluttered display - Transactions not appearing in summary - Transaction amounts showing incorrectly then disappearing - Password reset through app non-functional - Safari login incompatibility requiring Chrome **Most requested features** - Online mortgage payment capability - MyLoans login option in app - Text banking support - Face ID support for newer iPhone models - Proper logout screen to prevent fingerprint loop - Cleaner, more modern app design - Better account organization for joint accounts - Single login for joint account holders - Improved autopay management and visibility - Better error reporting mechanism within app ## Newest reviews (20 of 50) ### 2/5 — Logs me out *2022-04-20, version 4.0.7.4* It constantly takes my information out even tho I select remember me. Always down for maintenance, and when I try to log back in it won’t let me. Recently it says I’m not connected to the network when I am ### 2/5 — Face ID won’t work with this App *2020-12-01, version 4.0.1* Ever since I did the new IOS update my Face ID won’t work on this app but works on all other apps. Flagstar needs to fix this because I’ve had everything possible done with Apple and nothing fixes the problem. Flagstar really needs to make its app much more user friendly. ### 1/5 — An unreliable app, terrible for mobile banking *2020-07-28, version 4.0.1* I am a freelance writer, and mobile banking is as important part of running my business. I had banked with Wells Fargo & never had any issues with mobile banking. When Flagstar took over, I can’t go two weeks without an issue depositing checks. This whole week, for example, the app crashes as soon as I attempt to deposit a check—and there’s no where for me to report the problem through the app. ### 1/5 — Login issue *2020-07-08, version 4.0.1* The app would not accept my new Password - accepted by the bank’s site (Safari via iPhone and verified also on Safari via laptop). Steps: 1. Go to bank site and change the password using asterisk somewhere in the password (e.g. at the end) 2. Verify new password is working by logging in via website - iPhone and/or laptop/PC 3. Go to Flagstar app, enter user id and new password, click login 4. Observe error message (printed in red below password field ) - “password contains invalid characters” ### 1/5 — App Doesn’t Properly Work *2020-02-28, version 4.0.1* Better said it doesn’t work at all. It just won’t load. Keeps saying something went wrong come back later or select forgot password. Yet the same login information works on their website. Super frustrating. Don’t have an app that is listed as “for Iphone ” if it doesn’t work. ### 1/5 — Useless app doesn’t work *2020-02-16, version 4.0.1* Tried on both ipad pro and iphone11 and this app simply does not work. It does not recognize login credentials even though those same credentials work if you log in on the website. This is what you get from a mickey mouse regional bank. It doesn’t appear to be well supported from an IT standpoint either. Im only here because my mortgage was sadly transferred from Quicken loans to Flagstar. Its like going from the year 2020 with Quicken loans, back to 1980 with Flagstar. Yikes ! ### 1/5 — Login Issues *2020-01-31, version 4.0.1* I have been trying for weeks to login to this app for my mortgage information. It keeps telling me the app is unable to validate my information and to call the customer care number. I am able to use the website however the app has not functioned for quite some time. I’m thankful I only have my mortgage at Flagstar since this would be unacceptable on a daily basis!! ### 1/5 — Find another bank *2019-09-24, version 4.0.1* Let alone the issues with the institution itself, this app is useless. Unable to log in with credentials that work on desktop site and the login page of the app temporarily changes phone settings for larger text throughout phone while in the app. Atrocious and speaks volumes of the institution as a whole. ### 1/5 — Can’t login *2019-09-20, version 4.0.1* Enter my user and password. It tells me the password contains invalid characters. That’s fantastic, but it’s the same password I use on the Flagstar website. What idiot thought it was a good idea to put validation in place on the password entry field that doesn’t conform to the rules used when creating passwords? He or she or they should be fired and sent back to remedial developer training. Perhaps the purchase of a Mobile Development for Dummies book would be helpful. 🙄 ### 1/5 — It really is that bad *2019-08-02, version 4.0.1* When you set up your account on the web you’re forced to use special characters in your password. Probably a good idea. When you try to sign in on the app it won’t accept “invalid characters” in the password field. Literally set up for failure. I only use flagstar because my mortgage was transferred there. ### 1/5 — Obvious design flaw, questionable security. *2019-07-06, version 4.0.1* Mortgage servicing was just transferred to this bank. I setup my account online and when I try to login the app I receive this error “The value you entered contains invalid characters.”. I can login to the website without a problem so the password is correct. An obvious bug that does not allow users to login makes me question the overall design and security of the app itself. This should have been fixed a long time ago. ### 1/5 — App does not work *2019-05-29, version 4.0.1* Tried to log into the app to pay my mortgage and it said it doesn’t recognize me, please try again or call technical support. I tried again, then called to ensure my information was correct. Was able to long into the website and thought the issue was addressed. Tried the mobile app again and the same issue yet again. Called support number listed in the app and they told me to use the website because the mobile app doesn’t work for everyone. I have an iPhone X with current updates, so I find it unlikely the phone is the issue. Don’t attempt to use this app it will just frustrate you! Get a new bank of you can! ### 1/5 — Quite possibly the worst app on iPhone *2019-05-27, version 4.0.1* Flagstar should be ashamed of themselves. I think I have been able to log in once, in about 25 times, over the several months that I have been with them; since they bought my mortgage out from a previous lender. I’m giving up and deleting now. Looks like everyone else is having the same problem. Guys, it’s 2019, everyone under 75 years old uses apps to do business and pay bills. Get with the program. 😒 ### 1/5 — really awful *2019-05-08, version 4.0.1* One would think that if a web site requires special characters in a password, the associated app would be developed with this this in mind? Nope. The error message says, “The value you’ve entered contains invalid characters.” Apparently, the developers are not their actual banking customers. Lucky them. I’m new to this bank and already have an unfavorable opinion. It usually takes me more than one billing cycle to feel so strongly. ### 1/5 — Issues *2019-04-27, version 4.0.1* When I initially installed the app on my phone, it worked "ok." Recently, the font size was changed (not on my end) and the text viewing size is way too large which makes the content appear very cluttered with way too much information while looking through transactions for different accounts. The home screen is put together very well but when selecting a specific account... standby for chaos. Simple is often times better... ### 2/5 — Hate the app *2019-04-24, version 4.0.1* Going from a nice clean app with Wells Fargo to this thing is a joke. It doesn’t even look like any of the pictures it shows on the app view thing in here. It’s unorganized. Whoever made this app really dropped the ball. Wish it was cleaned up and followed the Wells Fargo one. So much easier to use. Please make the app look better ### 1/5 — App is worthless *2019-02-28, version 4.0.1* So my home loan was transferred from Chase to Flagstar. I had seen some negative reviews but tried to stay positive. The transition was smooth and account was set up well on my desktop but I always use my phone app to monitor things. After getting my account set up, I go to log on to the app and get told my password contains an “invalid” character. Low and behold, I cannot log into the app as I was forced to use a symbol in my password when setting up the account and the app doesn’t recognize symbols! Total disappointment! This has been like this for 4 months and zero improvement. All I can say is good luck! ### 1/5 — Mobile deposits don’t even try *2019-02-15, version 4.0.1* When I try to make a mobile deposit of a check using this app, it instantly fails no matter the quality or orientation of the pictures I use of the check. It used to work, but hasn’t for the last 6 months or so. What’s even worse is that when I hit submit, it doesn’t even seem to try whatsoever to contact a server or take the necessary time you would expect for two high-res photos to be uploaded. Basically it’s as if the app is just coded to tell you it failed. ### 1/5 — Horribly slow and buggy *2019-01-23, version 4.0.1* The app has been helpful in the past, but lately it is slow and buggy. Some days it tells me it is having “trouble” accessing my accounts, even though I have no difficulty accessing them on the desktop. These days, it takes about five minutes to get a mobile deposit to complete, which is cumbersome because the phone shuts down unless I sit there and babysit it. Desperately in need of some updates. ### 1/5 — Worst ever! *2018-12-19, version 4.0.1* Transferred from Wells Fargo...not by my choice, bank sold to Flagstar. I swear a kid could put together a better site. Frequently crashes and says network unavailable. Wry unattractive. Completely user unfriendly. Can’t tell if I’m on autopay or not for most things so accidentally set up double payments for a number of companies. Can’t figure out how to cancel autopay. One more glitch and it’s time to find someone else...preferably a bank that I chose! ## Most critical reviews (10 lowest-rated) ### 1/5 — Can’t pay mortgage online *2023-02-09, version 4.0.8* This app is useless for me. I can’t login and pay my mortgage or check my mortgage balance on here. Ridiculous that this isn’t available. I’ve called in to pay and been told it’s going to be developed “soon” for over 6 months. ### 1/5 — Does not work at all. *2022-12-18, version 4.0.7.4* The app doesn’t let you log in. Continually says your password is incorrect. I’ve changed it numerous times through the website, yet the app doesn’t work. Whomever manages this app for Flagstar should be fired. There are reviews over YEARS of time indicating these issues have been ongoing. ### 1/5 — Not QAed *2022-08-31, version 4.0.7.4* I have a joint account. Both account holders still have to have separate logins, security questions, etc. My verification text is still going to the other account holder. 🙄 I tried cleaning up old ‘payees’ in bill pay, thinking that was what was preventing me from adding a new one. Nope. Now the app just won’t let me in. Uninstalled and reinstalled trying to fix it. Still not working. Ended up using the website which is more clicks and navigation, and really not optimized for mobile experience. Would not recommend for the frustration factor. Website seems tested well enough. ### 1/5 — Marks password characters as invalid when the same password is valid on website *2022-08-28, version 4.0.7.4* I was never able to login to the app because it consistently said my password contained invalid characters, even though the same password is valid and works on their website. ### 1/5 — Sloooooooooooow! *2021-04-19, version 4.0.1* This is the worst bank app ever! It’s very slow and it’s not phone connection.. also takes forever to transfer money and then you have to add password ever time, it’s a pain! Hello I already entered password to get in. Then it thinks and gives me error codes and says to try later, ugh!!!! This app needs a lot of work and updates! Get it together flagstar!!! ### 1/5 — MyLoans not accessible via app *2021-03-31, version 4.0.1* Why would this bank buy my mortgage from my original lender when they haven’t spent any time or money making a mobile app that allows me to actually view the new mortgage information? I am forced to use a browser to access it because their app doesn’t have a MyLoans login option through either of the two apps they have in the App Store. Which is also a problem I’d have as a customer since they make no intelligent delineation between the two apps short of icon color. Hopefully my loan gets sold to another bank that can spend a day making an app that works. ### 1/5 — Password Not Recognized - Special Characters *2021-01-30, version 4.0.1* I am able to login to the website without issue. I downloaded the app thinking it would be an easier way to manage my mortgage. I am unable to login to the app, it gives an error message “the value you entered contains invalid characters” for my password. My password does contain special characters, namely the ^, # and * but those are not an issue on the website. I use a password manager to fill the form so I know it wasn’t typed incorrectly. To rule out the password manager, I also typed it in manually and received the same error. You need to fix the rules for the password on the app so that users with special characters in their password can use the app. 1 star as the app is completely unusable in its current form. ### 1/5 — The Touch ID stopped working, remember ID turns off *2020-12-01, version 4.0.1* These last couple of days Touch ID stopped working and every time I try to turn back on, it shows an error message “Try again or call the bank”. Bank can’t figure it out but Apple tech said that it might need updating after the latest iOS 14.2 came out. ### 1/5 — Always has issues *2020-10-22, version 4.0.1* The app is always down for “maintenance,” and constantly tells you that it can’t verify your log in. If you use your thumbprint it Makes you log in manually every 3 months, and God help you if you don’t remember your password. You can try to reset it through the app but apparently it won’t work, a representative told me it won’t work. I’ve also tried and nope. What’s the point of having it then??? You also can’t log in online through Safari, it has to be Chrome. Even though I can reset and log in on chrome, the app “doesn’t connect.” Basically rendering it useless. As someone who pays all their bills through mobile banking, the app alone makes me want to change banks. ### 1/5 — App STILL doesn’t function *2020-10-16, version 4.0.1* I was forced to go to Flagstar from Wells Fargo, I MISS WELLS FARGO, this bank is a JOKE. The App doesn’t work, it never has, they don’t have text banking, and in this day and age people NEED online access to their accounts. I was willing to muddle thru the growing pains from Wells Fargo transition but now almost 2 years later we still don’t even have a functioning app? Instead they are installing NEW ATMS? Come on your customers NEED online access, they NEED a functioning APP, who the heck is making the decisions at this bank to allocate money to new ATM’s when the basic services that even the smallest banks seem to accomplish cannot be handled at flagstar. I am hoping for the day that Wells Fargo returns to Indiana so I can go back to them cause this bank seems to have absolutely no idea what their customers need. ## Most praised reviews (10 highest-rated) ### 5/5 — On point *2018-12-06, version 4.0.1* Touch ID makes logging in super fast, love it! It’s also very easy to deposit checks with taking two quick pictures. Everything is pretty straight forward - no complaints! ### 5/5 — Help *2018-12-03, version 3.0.3* When I go to app it says update but when I click on update it just takes me back to the needs update screen ### 5/5 — Update *2018-12-02, version 3.0.3* There was an update done and it is asking me to go to the App Store to update and when I got to the App Store the only option is to open the App. Please help!!! ### 5/5 — Can’t update *2018-12-02, version 3.0.3* I usually love this app but today it’s telling me to update and when I click the button it doesn’t update it just said open like I already have the update and I’m stuck now and can login or update ### 5/5 — New version *2018-12-02, version 3.0.3* I am having the same problem with the loop of updating the new version, I have had no problems till now but need it fixed ASAP. ### 5/5 — New version *2017-09-19, version 3.0.1* When I go to the app it says to update to the new version. When I click the button and get taken to the App Store, it says open, as if I already have the new version. I'm stuck in a loop and not able to access my account. I've otherwise been satisfied with the app but this needs fixed! EDIT-my problem was fixed! 😸 ### 5/5 — Latest update for Touch ID *2017-09-18, version 3.0.1* This was the best update the developers could ever make. Considering technology and the demand for security and ease of use, I must say that I really appreciate Touch ID. This makes me so happy and I can see myself checking my accounts more often. ### 4/5 — Update *2018-12-02, version 3.0.3* When ever I go to open the app the first thing that pops up is update, so I clicked on it takes me to the web, then a tab says open play store so I do..... there is no new update my phone already did it and now I can’t get into my account because it says update and it’s just a loop I’m stuck in.... fix this now! ### 3/5 — Suggestion for improvement *2018-12-14, version 4.0.1* Decent app, gets the job done. Please fix: When using “Log Out”, your app immediately takes me back to the beginning screen where you can log in again. Bad for those of us using fingerprint scanners. You can’t really get out of the program.. by hitting the home button on my iPhone, it recognizes my fingerprint and sends me back into the app. Please create a “you are logged out” screen which appears right after hitting Log Out in the app. Wells Fargo did this with their app, and it works great. Interrupts the “looping” in an orderly fashion. ### 3/5 — Face Recognition? *2018-05-30, version 3.0.3* I recently upgraded my phone to iPhone X I’m now unable to use the touch I.D. because there’s no button on the iPhone and and there’s no face recognition on the Flagstar App…now I’m forced to type my password every time I want to check my balances…PLEASE fix this! --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*