# Flagstar Mobile Banking — user reviews > 279 indexed App Store user reviews of Flagstar Mobile Banking by New York Community Bank, rated 4.73/5 from 20,678 ratings. - Source: https://appshunter.io/ios/app/flagstar-mobile-banking/id972805390/reviews - App overview in markdown: https://appshunter.io/ios/app/flagstar-mobile-banking/id972805390.md - Rating breakdown: 5★ 16,537 · 4★ 1,251 · 3★ 373 · 2★ 187 · 1★ 648 ## What do users think of Flagstar Mobile Banking? Overall sentiment: negative **Pros** - 👍 Smooth and improved app - 🚀 Convenient and easy to use - 💡 Mobile check deposit works great **Cons** - 🐛 Frequent crashes and glitches - 🔒 Unreliable security features - 🕰️ Slow response times - 🚫 Inability to access accounts - 💰 Slow fund crediting and hidden fees - 🤖 Terrible customer service **Commonly reported bugs** - Login issues and credential validation problems - Frequent maintenance and downtime without notice - Incompatibility with newer iOS versions - Issues with external transfers and mobile deposits **Most requested features** - Face ID/Touch ID login - Ability to add external accounts - More detailed account information and analytics - Improved Zelle integration - Better notification system for transactions ## Newest reviews (15 of 279) ### 2/5 — Constant Bugs and Pain in the Butt *2026-08-31, version 26.1.30* Look, I mostly chose this bank because it's close by and it was once convenient. But now, the app doesn't work, logging on the website doesn't work, and now it's making me run in circles to get anything done. I just want to deposit a check. ### 2/5 — Rarely Works *2026-08-16, version 26.1.30* This app works poorly, just like this bank. There is constant log in issues and just directs you to use the website instead. What a waste. ### 1/5 — Slow and freezes constantly. *2026-08-08, version 26.1.30* I don’t know what you all did to this app, but I can’t even do anything but check my balance because it won’t load. It used to be a great app, it used to run smoothly, no issues, and now it’s not loading anything. ### 1/5 — Constant log-in issues *2026-08-03, version 26.1.30* The positive reviews have got to be paid for. This app is terrible, if you use it you will constantly be having trouble logging in. Practically every other time you attempt to sign on you receive an error message telling you to call up Flagstar’s number if you can’t sign on. Additionally, I switched phone numbers and was unable to log in despite changing the number my account was registered with through the app, as it kept asking me to verify with the old number. When I tried to call up I was unable to get ahold of anyone as you have to use a number sent to your phone. If you don’t have that number, the automatic system doesn’t let you connect to a representative. ### 1/5 — OMFG!!!! *2026-07-26, version 26.1.30* I’m so irritated with this bank. Their atms don’t work half the time, and now the app is “Experiencing issues” everytime I try to login. But yet, when I log in on the website it works just fine!!! Wtf!!!!!! If I want access to my funds, nope can’t rely on the d*** app because it’s always giving me the “wE aRe CuRrEnTly eXpEriEnciNg iSsUes” error message everytime I log in -_- do not get a Flagstar account, go to advia if you want a reliable bank with a reliable app!!!! Jfc I legit hate the Flagstar app so much!! ### 3/5 — Internal transfer *2026-07-23, version 26.1.30* Your app makes it very difficult to transfer money ### 1/5 — Can’t ever log into this app *2026-07-22, version 26.1.30* Not sure why I’ve stuck around this long, I’ve attempted to log in time and time again on browser and mobile for it to always say “the app is down” or “the website is experiencing issues”. So you’re telling me for years both mobile and browser are “experiencing issues” daily? That’s an issue considering you hold my money. I’ve banked here for nearly 15 years and I never had an issue until Flagstar took over. ### 3/5 — Poor banking *2026-07-21, version 26.1.30* App doesn’t show images of the checks and even the deposit slip that can track or distinguish what transactions made and also they’re holding to long days the mobile deposit, until you don’t have budget anymore for payment dues and then they will charge you for the charges that cleared first than the deposited checks clearance ### 1/5 — Ridiculously unusable *2026-07-18, version 26.1.30* This app won’t stop crashing. I regret making this my bank honestly, Since I’ve had it, half of the time this app hasn’t been usable. I’m not sure if there’s a minimum to write a review but it won’t let me even submit this. ### 2/5 — App is good…when it works *2026-07-14, version 26.1.30* The app very frequently doesn’t allow users to login. It says “please contact us if problems continue.” I’ve tried contacting numerous times with no success ever. The issue eventually resolves itself within days or weeks. I cannot ever rely on this to send Zelle payments. ### 4/5 — Only Thing Missing *2026-07-01, version 25.2.100* The only thing missing from this banking app is the ability to see what the current interest rate is on the HYSA. In order to see the current rate on your accounts you have to visit their website or log in online. It’s so annoying. ### 3/5 — Site down to much *2026-06-29, version 25.2.100* The app is unavailable 6/10 times when I need to pay bills check balance deposit Quite unacceptable! ### 1/5 — App review *2026-06-26, version 25.2.100* App is fine but the bank sucks. Minimum balance for checking account is now $1000. ### 1/5 — Terrible app *2026-06-26, version 25.2.100* Good luck getting this all to remember your sign-in information. You’ll have to input it manually every time. ### 1/5 — App sucks *2026-06-11, version 25.2.100* Every time i open the app it has an error. Also it keeps deleting the face id so i have to keep doing the face id ## Most critical reviews (10 lowest-rated) ### 1/5 — Notes *2026-09-05, version 26.1.30* Note being able to make notes on transfers from account to account makes me want to leave the bank. Why you would take that Way is beyond me. How are we suppse to know what any transfer is for making dozens and dozens of transfers with no notes. Insane. ### 1/5 — Constant *2026-09-01, version 26.1.30* It asks me constantly to review it. I’ve already reviewed it. Quit asking! ### 1/5 — Flagstar app *2026-09-01, version 26.1.30* Can’t get into my account for weeks now!! ### 1/5 — GLITCHY *2026-08-30, version 26.1.30* haven’t had luck logging in for months. ### 1/5 — App Doesn’t Work *2026-08-24, version 26.1.30* It used to work, but over past month it has stopped working on both my iPad and iPhone 16. I get an error message every time I try to login. Scared me, but I was able to use the website to login, and see that there were no account issues, so just appears to be an issue with the app. ### 1/5 — Never works *2026-08-21, version 26.1.30* Flagstar's app has consistently failed to worked over the years. I turn on Face ID every 2 logins because it stops working & my saved password never lets me log in. Half the time the instant balance doesn't work. It only lets me login if I type out my password each time. VERY inconvenient, & always lagging compared to all other banking apps ### 1/5 — Zelle not working *2026-08-21, version 26.1.30* My Zelle is not working! Talked with banker. They refused to help me! Any help? ### 1/5 — Inconsistent access *2026-08-18, version 26.1.30* The app hasn’t allowed access due to flagstar issues. This happens every few weeks!! Poor design! ### 1/5 — FIX IT *2026-08-18, version 26.1.30* Nonstop issues with logging in with this stupid app! I have never in my life change my password so much because this stupid app and bank doesn’t recognize it. Go into a branch and they are even less helpful. I cannot wait to get my money out of this stupid establishment. ### 1/5 — Always Breaking *2026-08-10, version 26.1.30* This app is terrible compared to other banks I’ve used. It’s always down for maintenance, anywhere from a couple hours to a couple days. ## Most praised reviews (10 highest-rated) ### 5/5 — Great bank *2026-09-04, version 26.1.30* Very professional and friendly and helpful staff. Have been a customer for over 25 years! ### 5/5 — Banking *2026-08-15, version 26.1.30* Love Flagstar ### 5/5 — Flagstar Mobile Banking *2026-08-12, version 26.1.30* I am very satisfied with this app thank you ### 5/5 — Help appreciated *2026-07-30, version 26.1.30* I successfully started a regular transfer of money to my grandson, thanks to the kindness help from Mr Uhl at your Ishpeming Flagstar Branch Bank. Thank you, Mr Uhl! ### 5/5 — Improved *2026-06-23, version 25.2.100* I’ve been using NYCB for 25 years. The online banking division has improved vastly over the last few years. Although they do have shady fees that randomly appear for $5 here and there , they continue to improve the app and still have very nice people at the Plainview branch . That’s the main reason I stay loyal. ### 5/5 — Great rates! *2026-06-08, version 25.2.100* Great rates so far. Friendly customer service. Would love to see interest rate I am getting in app after log in. ### 5/5 — Owner *2026-06-01, version 25.2.100* Best ### 5/5 — Flagstar Mobile Banking automatically access list support & credit score *2026-05-08, version 25.2.100* The best ever I use this app. Save it time to drives anywhere ### 5/5 — Easy process *2026-04-29, version 25.2.100* Again, a quick and simple process to complete my activity ### 5/5 — Mobile Banking App *2026-04-08, version 25.2.100* It is easy to use. Thank you. --- *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 2026-09-10.*